23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested a debt validation on the account. they reported on my credit report as " consumer disputing ''. I want them to send me debt validation with my original signature. since they are claiming as the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, as of tonight I was catching up on some bills and saw that my credit report changed on my XXXX XXXX account. Ive never bother with checking that stuff because its not always accurate. Well I clicked on it and saw that there is multiple delinquent account reports affecting my credit that belongs to my ex husband and somehow my name is attached to his account. We have been separated since 2020 and waiting on divorce to be finalized, Ive never used his account nor do I have any access or cards to his account, this is all stuff that needs to be reporting and affecting his credit status, not mine. Its showing JPMCB which I do not have anymore as of 2020 when I switched to a new bank. Please remove this from my credit report with these inquiries showing as far back as XXXX when it started to arise.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX BALANCED {$5800.00} XXXX XXXX BALANCED {$13000.00} XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EDFINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.
Product: Checking or savings account

So I was supposed to get paid on the XXXX and didn't receive my deposit and im still waiting and they keep saying it's because of technical issues with a 3rd party and their resolving the issues but I don't see anything happening and it's been 2 days now and the wait time for a representative on the phone is XXXX minutes I need answers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

I have reached out to the credit bureau several times in regards to open accounts that do not belong to me. The following accounts do not belong to me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These disputes were send out XX/XX/2023 and no response and causing me to not be able to purchase my home. I need this to be removed Immediately. Name is showing inaccurate which should only appear as XXXX XXXX and my only address is that should appear is XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. If not removed further action will be taken. 

15 U.S. Code $ 1681c-2 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 IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consume
r report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, contract callers inc has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Collection company is illegally reporting this account on my credit that does not belong to me. I have sent out letters to collection to provide documentation showing proof this is my account bearing my signature and they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer XXXX XXXX XXXX. I am being federally violated by equifax and they are committing a crime pursuant to 15 usc 1681 ( b ) ( 2 ) I never gave written permission to equifax. I demand that the tradelines listed be deleted convergent outsource XX/XX/2021 XXXX XXXX XXXX XXXX. No consent is identity theft this company is infringing on my right to privacy. I did let the federal trade commission know that this crime is taking place. Equifax is not a bureau. pursuant to 15 usc 1601 103 ( b ) bureau - the term bureau means the bureau of consumer financial protection. pursuant to 15 usc 1681 c-2 block of information resulting from identity theft. ( a ) except as otherwise provided in this section, 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 by such an agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get Transunion Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of Transunion is N/A.

XXXX  is XXXX and just fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint. The complaint was submitted about XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  refusal to take the fraudulent charge off of my credit card account. XXXXXXXX XXXX resolved the issue in XXXXXXXX XXXX XXXX and the transaction was reversed. I am submitting this complaint, because my credit score has suffered, because of the issue with XXXX XXXXk. The charge was reversed but my credit score has gone from XXXX and XXXXXXXX XXXX XXXX to XXXX and XX/XX/2024. The only issue that I have had with my credit was with this issue. Today according to TransUnion and other credit sources my credit score is around XXXX. I feel that it should be higher, and closer to what it was prior to the incident.
Product: Credit reporting

My student loans through XXXX are showing that I am delinquent. These loans have been consolidated into a Federal loan service program. Please update this information.
Product: Checking or savings account

in XXXX I presented my cd for payment to bak of America --  they refuse to pay saying they do not have any internal back up record. I have the original document as issued by XXXX XXXX XXXX XXXX XXXX ga and who in XXXX were merged into BAC bk of America re fdic XXXX. the cd is checked auto renewable and is active now. no bak has ever communicated in any way re cd nor were any funds turned over to Ga unclaimed funds
Product: Money transfer, virtual currency, or money service

I looked at a product XXXX sold through Affirm. I never received it and had immediately cancelled. I have been harassed and threatened ever since. They are threatening to report me for failing to make payments on a product I cancelled immediately and never received. I have called them and was told harassment would stop but it has continued via text. Now they texted me threatening to report on my credit rating and demanded payment for a product I never received and immediately cancelled. I was told contact would stop and it has not.
Product: Money transfers

I have transferred funds to XXXX using Remitly. I used their EXPRESS Service which promises to transfer funds immediately. As promised funds have been transferred Immediately but at the same time they were Reversed the very next minute. When I contacted Remitly about this, they speak so negligently that its not their fault, its a issue with bank in XXXX and Remitly says that its job is done. Are they kidding.? How is their job done without completing the deposit? They say they are not sure of when funds are available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is incorrectly indicating there is increase in the balance owed by Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

First let me say its nice to know that at least XXXX of the XXXX CRAs Equifax still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with XXXX and XXXXThey continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX XXXX XXXX Equifax.XXXX  XXXX. Only Equifax complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by XXXX and XXXX that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike Equifax a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX XXXX # XXXX XXXX. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.
Product: Money transfer, virtual currency, or money service

I have {$200.00} locked in Cash App and they are so busy playing the covid-19 game were they are not taking anyone 's phone calls nor are they solving any problems. It's been months that I've tried to retrieve my funds from Cash App with no prevail. I've when to their XXXX site on several occasions trying to correct the problem and it's like communicating with a 2 year old robot that has yet to be programmed with the right intel while they are SOOOO BUSY plus COVID and any fool can see that XXXX. I've been trying to solve this problem since last year and i'm still at square one. How does America have they XXXX people in place straight doing fraud; committing crimes and its allowed? If at all possible, could you please step in and also begin an investigation, bring them up on charges and shut them down. Please feel free to contact me for ANYTHING that could possibly help to bring this establishment to NON-existence.
Product: Money transfer, virtual currency, or money service

I own a Tesla car, and in XXXX, I received an invitation mail from Tesla Wallet XXXX XXXX XXXX XXXX XXXX to invest early at a discounted pricebefore Tesla Coin ( TES ) is issued to the public.

The website uses the logo and address of Tesla Motors ( tesla.com ), which made me believe that Tesla Wallet is a subsidiary of Tesla Motors. I purchased {$3000.00} worth of the TES coin. The website has a clock for " 3 days remaining before going public '' since the day I created my profile and made the purchase. A few days ago, I started researching Tesla Wallet and realized there are several discussions that the website is a fraud and scam, for example : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to inform you that I am a victim of a data breach, and as such, I am requesting the blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. These accounts and inquiries were not authorized by me and resulted from identity theft or the data breach. 
Please take immediate action to block and delete the following accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be Blocked and Deleted : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. XXXX, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be XXXX XXXX  accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a XXXX  statement of what accounts need to be updated and corrected. I have already sent a letter XXXX XXXX XXXX  AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid XXXX  XXXX  FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX
Product: Credit card or prepaid card

Coinbase XXXX XXXX XXXX : On XX/XX/2022 I made a purchase at a restaurant for {$48.00}. Coinbase has continued to hold {$140.00} ( Coinbase lists the charge as pending ) which has resulted in 6 Declined Charges to my card since I have been unable to access the {$97.00}. 

I have contacted Coinbase numerous times and not only have I been directed to out of country service reps who don't know how to handle the situation, when it gets escalated back to the US team they point back to the retailer ( Coinbase will not take phone calls in the US ). The retailer has provided me proof that they submitted to Coinbase the charge for {$48.00} and NEVER hold extra amount over the charge as a matter of policy. 

This amounts to theft of {$97.00} by Coinbase and at least 10 hours of time, duress, embarrassment, pain and suffering, emotional distress and general XXXX The retailer can not understand why this banking group has a hold as they DO NOT hold funds like this.
Product: Credit reporting or other personal consumer reports

This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX  Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX  # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX , has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia Finance is showing me as being delinquent. It is showing as its being closed however, its still showing as I had months of unpaid. I understand that there was a investigation going through with us with the credit bureau and Hyundai however it was done 60 days after XX/XX/XXXX of XXXX. As my credit was ran, Kia finance is still showing up on my credit and its saying that it will not fall off until XXXX however, with that being said, my credit is being affected because of this. It is still showing as is I miss months of payments even though my account was paid off on XX/XX/XXXX of XXXX. I contacted Kia finance not so long ago and advised them of my situation, however they stated that a memo or a letter would come to my house for me to send to the credit bureaus but, I never received such letter in order for me to send to the credit bureaus. Because of this, my credit is being affected, and I am not able to have my credit run or used to buy a house. Please Advise and thank you for helping me with matter