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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were opened or made fraudulently in my name, and as such, I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$9000.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX  o Date Opened : XX/XX/XXXX o Amount : {$400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$22000.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a total of 5 hard inquiries on my credit report. Three of them are credit inquiries for mortgages, within 45 days. This should only be listed as one hard inquiry. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Product: Credit reporting, credit repair services, or other personal consumer reports

As of X/X/2017 and according to Experian 's website, my personal information was likely put at-risk in the recent data breach making me and my family, like nearly half of America, potential targets for fraud and identity theft. 

One direct cause of this breach was Experian 's decision not to properly secure their website and online data storage facilities. It is beyond maddening that in a world where my car has to meet certain inspection standards in order for me to lawfully operate it - Experian apparently does n't maintain similar standards - despite posessing almost all of my consumer and credit data.
Product: Debt collection

check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me 10 times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$14000.00}
Product: Checking or savings account

On XX/XX/XXXX I checked my NetSpend online account and discovered that both my savings and deposit account balances were {$0.00}, I knew that couldn't be correct so I immediately called customer service. 
I was given a rundown of my recent transactions by a girl named XXXX and the last two were, my savings ( {$320.00} ) was moved to my deposit account and then was moved to a XXXX XXXX  account under the name of XXXX XXXX. {$320.00} in savings and {$670.00} from my all access account, total of {$1000.00}. 
XXXX then explained how it works and told me to call back on XX/XX/XXXX. 
On XX/XX/XXXX I called back and discovered that it was still under investigation by XXXX in the dispute department .At that point I asked for a provisional credit and was told I would not receive a provisional credit because, I didn't send a letter of dispute On the XXXX, ( I didn't hear anything about a letter till the XXXX ). 
I then spent two days Trying to get the credit, to no avail. 
This is an incomplete list of who I spoke with, XXXX @ XXXX XXXX  time on XX/XX/XXXX, then transferred to XXXX a supervisor and was disconnected ( hung up on ) after XXXX mins I called back spoke briefly with XXXX and got disconnected, Called again and got XXXX was hung up on again, Called back and got Purple ( yep ) Purple she transferred me to XXXX in the Dispute department, couldn't verify, disconnected, Called again @ XXXX got XXXX, he tried to playcate me and I ended call. 
I tried to tell them all that I was aware of the FTC 's guidelines on provisional credit all of it fell on deaf ears, and now I'm here trying the next step
Product: Credit card or prepaid card

Im simply asking for my tradeline with capital one Walmart to report on my credit reports not showing and Im a user in this card and help with payments
Product: Mortgage

On XX/XX/2023 we send a payment of {$900.00} to Select Portfolio Servicing. We were currently in default at that time and SPS stated they would not take any payments other than cash. We call XXXX about the {$900.00} and the said the sent a paper check back to us on XX/XX/2023. We never received that check so we called again and SPS stated they would file an inquiry about the missing funds. The 3rd time we called we were informed the inquiry was never sent but they would send it again. The 4th time we called SPS informed us that our bank, XXXX XXXX, was holding the funds. We then proceeded to call XXXX XXXX and had a XXXX way conversation about the missing funds as XXXX had never received them. Upon calling XX/XX/2023 they filed yet another inquiry because nothing was in their records. 

We need this money to be applied to the XX/XX/2023 payment and they continue to drag their feet. 

We are asking that the {$900.00} be returned and we are asking for the XXXX tort amount for a total of {$2700.00}. We would also like our credit score scrubbed from this company as the hold payments, apply late charges and lower my credit score. This number was given to us by our lawyer.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2024 and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Vehicle loan or lease

I walked in drive time XXXX XXXX in the afternoon around XXXX XXXX XXXX to the desk as if they participated in through the lending and right after back the lady told me that it was some sort of XXXX XXXX trend I informed her that it's not a XXXX  training is it in fact an act at all dealerships follow she then told me the other way to do this transaction was to put it down payment down I informed to her that day Banks do the obligations according to 12 years c is to borrow because Banks do not have money they have debt and negotiable instruments that have no power unless too contracting parties agree I told her that I would like to extend my credit but the consumer credit transaction and purchase the vehicle she continued to mock and demean my character willingly and knowingly I left after finally getting her to get on the phone with her finance department who told her to contact her general manager she is the assistant general manager however she identified as the general manager so when I asked her if there's anyone I can speak to above her she said no then proceeded to call her general manager in which I'm still waiting on a call back I don't think I'm going to get
Product: Credit reporting

I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Experian has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. 

Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place:1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  my XXXX secured credit card was closed and I was sent a check for my remaining balance. Since then this credit card has been reporting inaccuracies on my credit report. On transunion it is reported that the last report date was XX/XX/XXXX and that I missed the XXXX payment but that my account status is paid. However on XXXX its reporting the last reporting date as XX/XX/XXXX and that my last payment was XX/XX/year>, but also that I missed XXXX payment and shows no other payment history at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Status update XX/XX/2019 reporting charged off ... paid ... .and written off and a bal at the same time these reporting agencies have inaccurate information and is unfair which is a violation of my rights and should be removed immediately ....
Product: Money transfer, virtual currency, or money service

I sent funds into account with Celsius on XX/XX/2022 in order to pay off my loan. Was having trouble with their app paying it off. Was waiting till Monday to speak with a representative. On XX/XX/XXXX they added the funds I sent over to pay for my loan. Into my my loan. Now they are saying I have to still pay the XXXX to release my funds. I sent money to pay for the loan they took that money and saying I basically have to pay twice this is completely unfair.
Product: Credit card

I received a very tricky and dishonest offer in the mail from Bank of America. It offers 0 % interest until 2016 but after really looking into this offer it is trying to trick people who pay off their balances each month ( like me ), because it makes all new purchases subject to interest charges. It is so bad that Bank of America is going this route .... I have been a card holder for years and have a fico score of XXXX, and if i almost got tricked, I ca n't imagine what it would do the the average consumer. This should be illegal and Bank of America should get in trouble for this.
Product: Credit card or prepaid card

I am requesting that you take appropriate action to investigate and remove them from my credit report.
Product: Money transfer, virtual currency, or money service

I 'm based in the XXXX and sent funds to coinbase.com to purchase some cryptocurrencies. 

I made 4 payments to Coinbase but forgot to include the reference number XXXX. My first payment made in XX/XX/XXXX did have this included. You 'll be able to see it 's the same bank account. 

Amounts and date sent :XX/XX/XXXXXXXX Euros sent. Bank Reference/Transaction ID  XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX Support case ID Case ID : XXXX was created : XX/XX/XXXX XXXX PST. However, there have been no responses via their support portal or twitter ( as per their recommended procedures ). Telephone number XXXX ( XXXX ) XXXX has been listed however they will not discuss deposit or withdrawal enquires leaving me dependent on their portal as the only means to try and establish some contact. 

My account details with Coinbase are as follows : Name : XXXX XXXX Email : XXXXXXXXXXXX
Product: Student loan

I have filed complaints before. I was informed by Mohela that Federal Student Aid allowed them to forgive {$63000.00}. Then in XXXX it was put back. Mohela said they will discharge whatever FSA tells them to. However, I noticed that got my Loan Forgiveness and Discharge : Borrowers Defense that {$110000.00} was XXXX and completed on XX/XX/year>. However, on Mohela website they still have me owing {$37000.00} which means they have not XXXX my remaining loans as I am under the Sweets vs. Cardona case as a class member. Mohela keeps blaming FSA, FSA ( borrowers defense line ) keeps telling me that I have to deal with my loan servicer because ALL information has been given to them to handle. At this point this is frustrating and causing me distress with the back and forth. Please update this information Mohela. Send me proof you discharged {$110000.00} as FSA said was completed and forgiven as of XX/XX/XXXX. I need proof. I need communication. I need this handled.
Product: Credit card

A person opened a Capital One business credit card in my name and charged {$27000.00} in XX/XX/XXXX. I do not have any credit card accounts with Capital One. An adverse account notice was found with Transunion.
Product: Credit card or prepaid card

I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Product: Credit reporting or other personal consumer reports

I have one late payment in XX/XX/year> beginning of the COVID 19 pandemic. I spoke with the company before and they said they would remove the late payment but it has not been removed. Please remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One XXXX XXXX XXXX XXXX VA XXXX Continues to send me unsolicited pre approved offers, although I am on the list not to receive them. I entered my data about a month ago, and was told it would take them 2 weeks to remove, as at that time I informed them to take me off their mailing list.

At the end of last week, I received 5 prepaid offers from them, and called again, They are now saying this will take " about 45 days '' to resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing a Dispute of Inaccurate Information Under 15 USC 1681s-2, In accordance with 15 USC 1681s-2 ( a ) ( 1 ) ( B ), you are required to correct and update any information you have provided that is inaccurate or incomplete. I request that you investigate this matter
Product: Credit card

On XX/XX/year> I opened a new Chase credit card. I was hoping to make a purchase with that credit card so I called up Chase customer service to see about using the card for purchase. The agent I spoke to was very rude. Told me there was nothing he could do till my card came in the mail 10 days from now and offered me no other options. Frustrated. I said I would never have opened the account and that this is ridiculous. Theres nothing you can do for me. Asked what I would have to do to close my account and the next thing I know he told me my account was closed without confirming reading any disclosures or anything so now I have a hit on my credit report and no credit card I can even use. On XX/XX/XXXX and escalation agent called me back and said there was nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this TWICE now and required in writing debt validation with NO responses.