23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I used annual credit report to get my credit score from Equifax, XXXX and XXXX. Neither of these agencies had a credit score for me. I called Equifax and they informed me they couldn't give me a score unless my address was confirmed. For me to confirm and address, I needed to write that I XXXX XXXX live at said address. I was also to include a copy of my drivers license and social security card. I faxed them this information as requested. 
On XX/XX/XXXX of 2020. I received a letter from Equifax that claimed I disputed some information. I did not. I called Equifax, and spoke to XXXX, she told me this was a letter confirming they got my fax and they had received my statement as to my new address. I asked her about my credit score, she then told me she could send my one in the mail or I could go online. I explained to her that I was told by submitting the previously requested information I should have gotten a credit report. She simply stated I could request another credit report and I would receive it in 14 days. I did, I also asked her to walk me through getting my online score through Equifax 's website, she reluctantly did this. 
The score stated " We are unable temporarily unable to provide your credit score. Please try again later. '' This is the original message I had received upon my first credit inquiry. When I questioned her on this topic, she no longer responded to me at all. She no longer answered my verbal prompts and the phone went silent though she did not hang up. I want my credit score, please help me achieve this goal. Equifax is refusing to give me this. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

I requested for a removal of interest fees when I wasn't able to pay my balance in full. My history of payment will prove that I was paying my balance in full until this shelter in happened that caused me to lose income and could not afford to make payments in full. Though I made some partial payments during those months and finally settled it last XX/XX/XXXX. The only balance I have now is the {$12.00} which is the amount of 2 interest charges for 2 months. That is the only amount I am requesting to be removed. I called TJX REwards / Synchrony Bank but did not give me any consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INNACCURATE, OUTDATED AND OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
I request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Please be advised that I have received a computer-generated letter stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as their excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information. Per Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), theymay be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under 15 U.S. Code 1692g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item.
Product: Money transfer, virtual currency, or money service

XXXX transfer to COINBASE - my money is gone. 

On XX/XX/XXXX, I transferred XXXXDKK from my own bank account to Coinbase as I would like to invest in cryptocurrencies.

Two days later onXX/XX/XXXX ( where the money still have n't been credited my account on Coinbase ), I received a mail from Coinbase, where they told me that ; " We apologize for the difficulty. Unfortunately your recently attempted deposit could not be processed because we do not yet support this type of currency. 
Currently, it is possible to deposit and withdraw Euro using the XXXX payment system. In order to return your funds promptly, please visit https : //www.coinbase.comXXXX and make sure you have entered your full banking information, including IBAN number.

If you have any additional questions, or if this payment does not return to your bank within the next several days '' Since the e-mail above from XX/XX/XXXX, I have contacted Coinbase several times but still have n't got my XXXXDKK back. I 'm pretty sure the responses I get is auto generated from a bot ( I will include screenshots of the full contact to this complaint - It 's a lot of screenshots! ). 

It has been impossible to get a response from Coinbase since XX/XX/XXXX where I contacted them the last time. 

Please help - I 'm desperate.
Product: Checking or savings account

some one charged my debit card 2 times for {$930.00} each time, and after the bank issued a credit for me with the amount of {$1800.00}, and after few days, the bank took back the {$1800.00}
Product: Mortgage

B ank of america has said that they cancelled the repayment agreement because I was n't paying. Well here is a copy of one  of the recent payments of the {$740.00} that I have paid. And  Bank of America d id n't apply it to my balance or payments or recent transactions on my statement. It will be check number #  XXXX  for the amount of {$740.00} on   XXXX    . This is proof that I have been making the payments that was agreed on.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_/ NEVER FILED_______ Account Amount_ {$8600.00} Account XXXX  Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT/NEVER FILED Account Amount {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  XXXX XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated PROFESSIONAL ADJMNT CO {$1300.00} Outdated XXXX XXXX XXXX {$180.00} Inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
XXXX XXXX XXXX LIST OF INQUIRIES XXXX XXXX Inquiry : XX/XX/2020 I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : {$35000.00} XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

Trans union has been taking a monthly fee of {$24.00} out of my checking account for services I did not order. 
As senior citizen, I dont think its fair to be taken advantage of. I would like a total refund.
Product: Debt collection

On XX/XX/XXXX I received notice that there was a new collection account added to my credit report from XXXX XXXX XXXX who claims they have been trying to contact me since XX/XX/XXXX about a Credit Card with XXXX XXXX XXXX Fortiva XXXX Card from XXXX with me owing {$1200.00} which I have no idea who its for but I never received any calls or letters from them just a " surprise '' damage to my credit report. I never had a XXXX XXXX XXXX XXXX listed on my Credit Report and I monitor it weekly. 
I called Fortiva, but got no info from them who then had me contact XXXX XXXX but never answered nor received call back after leaving voicemail
Product: Credit reporting or other personal consumer reports

there are a list of accounts that do not belong to me i asked them to show proof of ownership and requested it several times and never received information
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found several incorrect late payment entries. These dont reflect my actual payment history. Please update my account to fix these errors.
Product: Credit card

This is a follow-up to a complaint, XXXX. It had been closed in XXXX, XXXX after the CFPB contacted Barclays, who then decided there had been an attempt to use the card fraudulently. There is detailed information in that complaint. 

On or about XXXX XXXX, I received a letter from Barclays informing me their investigation was complete and I was not responsible. 
Since the card had been closed for months, I just filed the letter away. 

On XX/XX/XXXX I received a bill from Barclays for the original {$45.00} charge from the original merchant. Which Barclays has al ; ready concluded more than once the charge of {$45.00} was fraudulent. 
Copies attached.
Product: Credit card or prepaid card

I didn't close my account! When they told me that my account was closed, I asked them to reopen it because I did not close it! They continue to tell me to go in store to apply... I told them the closest store is 2 hours away and then all of a sudden today ( XX/XX/XXXX ) I get a letter in the mail stating my account could not be approved... I never reapplied because it won't allow me to... It states that my account is still open and I already have an account... When I sign into my account it says I have {$250.00} available in credit. So they checked my credit without my permission!!
Product: Consumer Loan

GM Financial does not list the amount due on the online payment system until the amount is past due. Each time I log in, it says amount due {$0.00} forcing me to memorize my car payment amount to the penny so that on the next screen I can type it in. I called to address this early on in my lease because it 's confusing and places risk on me to fat finger the wrong amount or be off by a penny and potentially get penalized for an erroneous payment. How does this make sense? Why is this their practice? It 's not helpful at all and again confusing and problematic. I have a ton of bills and sometimes I do n't have the paper bill in front of me so I have to go digging around in past confirmations to remember the amount that I am being forced to manually input. This is a set up and is not fair.
Product: Credit reporting or other personal consumer reports

I am disputing the collection account reported by XXXX XXXX, which is listed on my credit reports with Equifax, XXXX, and XXXX. The account details indicate a balance of {$1300.00}, with the original creditor listed as XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The account was opened on XX/XX/year>, and is marked as " Open '' with a status of " Derogatory '' and remarks including " Placed for collection '' and " Dispute resolved-subscriber disagrees. '' Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy, validity, and completeness of this account.

I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires that XXXX XXXX provide a copy of the original signed agreement containing my full signature and Social Security number as evidence of the alleged obligation. Additionally, I request proof of assignment or transfer of the debt from XXXX XXXX XXXX  XXXX XXXX. to XXXX XXXX, as required to establish the legal enforceability of this debt. Without these documents, this account must be considered unverifiable and removed from my credit report. 

The failure to provide adequate documentation violates 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to ensure the maximum possible accuracy of information on credit reports. Furthermore, the remarks stating " Dispute resolved-subscriber disagrees '' suggest previous disputes have not been adequately resolved or investigated in compliance with FCRA standards . This reflects a violation of my rights under 15 U.S.C. 1681i ( a ), which requires a thorough reinvestigation of disputed information.

As this account is inaccurate and unverifiable, I request its immediate removal and deletion from my credit reports with all three major credit bureaus. Continued reporting of an unverifiable or inaccurate collection account is a violation of my rights under both the FCRA and FDCPA, and I reserve the right to pursue further legal remedies if this matter is not promptly resolved.
Product: Mortgage

On XX/XX/2016 the Judge XXXX XXXX XXXX XXXX XXXX. Denied the Plaintiffs Motion to Substitute Party. ( See Attached ).

Now PennyMac want to collect money for me of engaging in business practices that are immoral, unethical, oppressive, unscrupulous, and harmful to me. ( See Attached ).
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX  Lender Info XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Responsibility Individual Original Loan Amount {$140.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX My XXXX is XX/XX/XXXX - XXXX  years of age This account was fraudulently created. I was age XXXX and this is not my account. I never received products or purchased products or signed any contract or agreed to any payments.
Product: Checking or savings account

In XXXX of XXXX, I opened an account at PNC Bank, and the next day the bank closed the account and did not give me a reason. XXXX at PNC Bank at the XXXX Branch in Wisconsin talked to me about the account and stated that she was waiting for a manager approval and she did not get back to me on that, so I called customer service about the matter and the representative claimed that I wrote out a check in XXXX and I never did, My sister had an account back then, I believe the PNC bank is getting me and my sister mixed up with wrong information. I also talked to the branch manager at that location and could not even give me a reason either. I was a customer to the bank 4 to 5 years ago, and I did have balance, but was paid off.
Product: Credit reporting or other personal consumer reports

as a consumer, I request to know all the steps your agency look to ensure these items Were 100 Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. XXXX : XXXX XXXX XXXX account # XXXX Equifax : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX was financed through XXXX Consumer on XX/XX/XXXX. Repossession as of XX/XX/XXXX. Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

Aidvantage is in breach of my constitutional and federally protected consumer rights pursuant CFR Part 1006.18 ( b ) ( 2 ) ( i ) which states " ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. '' Consumer believes the alleged debt is beyond the Missouri legal statute of limitations and unlawful pursuant to the 1787 Constitution for the United States of America article 1 section 10 states " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; '' Pursuant to CFR 1026.23 Aidvantage has no verified legally binding interest.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 usc 1681 604 ( 4 ) 2. In accordance with the written instructions of consumer to whom it relates. 15 usc 1681 602 ( a ) 4 .there is no need to insure that consumers reporting agency exercise there grave responsibility with fairness, impartiality and respect for consumers right to privacy. XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX