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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : Chapter XXXXXXXX XXXX  Dismissed Reference # XXXX Date Filed : XX/XX/year>XXXX XXXX XXXX XXXXXXXX Dismissed Reference # XXXX Date XXXX : XX/XX/year>XXXX XXXX XXXX XXXX Dismissed Reference # XXXX Date Filed : XX/XX/year>
Product: Credit card

On XX/XX/year>, I sent a letter to Capital One Bank at their address regarding potential violations of the Gramm-Leach-Bliley Act ( GLBA ) and Section 623 of the Fair Credit Reporting Act ( FCRA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, Capital One Bank has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. Additionally, under Section 623 of the FCRA, furnishers of information are required to ensure the accuracy and integrity of data they report to credit bureaus. This lack of transparency and validation raises significant concerns about improper data sharing, inaccurate reporting, and potential violations of federal privacy and consumer protection laws.
Product: Prepaid card

Today, I received a letter from Money Network notifying me of suspicious activity on my account. They informed me that they had suspended the account after detecting fraudulent bank transfers, which they were able to reverse. Additionally, there were a couple of XXXX charges ( over {$700.00} ) on my account, which I promptly reported as I had not made any such purchases and I don't even use XXXX. All my personal information had also been changed. 
I informed the representative that I possess the physical card and inquired about the details of how my information could have been changed and where the XXXX charges originated from, just to make a point, but she had no information and " I don't know '' was all I received. Despite that this was a flaw on their security measurements, they are refusing to credit my account for the fraudulent charges. Instead, they advised me to dispute the charges, then wait for them to send the necessary forms, fill them out, and then endure a XXXX waiting period for investigation. 
I find this treatment unjust, especially considering that based on the facts it's very clear that I have no involvement with those charges and those are fraudulent charges made on their side of system. I believe that if they examine the situation closely, they will be able to verify it quickly and I should not be the one suffering for the security flaw in safeguarding their system. I am a CPA and my credit score is XXXX and this is the unemployment money from EDD which I need to support my family until I secure a new employment. 
I really appreciate support with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent on my credit report : - 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 disputed inaccurate personal information ie : addresses, names, phone numbers on my credit report - Equifax on XX/XX/2019. Equifax deleted items on report number XXXX reviewing that personal information deemed incorrect and unverifiable. In XXXX I carefully reviewed my Equifax credit file and acknowledged that Equifax violated my rights per FCRA by re-entering and reporting the same erroneous information that does not belong to me and undeliverable. To my knowledge per FCRA, any Credit reporting agency must notify the consumer in writing within five business days before entering and reporting information that has been deleted prior to reporting information.
Product: Checking or savings account

On XX/XX/2022 a check was deposited at Bank of America for {$18000.00}. The check was taken by the ATM and I was assured a deposit correction letter would be mailed that a Bank of America branch could use to re-deposit the funds. No letter came after contacting customer service over five times and when I asked to talk with someone who could answer my questions, customer service refused. I pleaded with them to at least resend the letter which also never arrived. This caused me to email XXXX about my situation. The executive team at Bank of America followed up with me XX/XX/XXXX. 

A claim was started XX/XX/XXXX by a member of the Bank of America executive team to try and deposit the funds from XX/XX/XXXX. I was told I would be contacted if there was an issue and would be able to see documentation about the claim. That half the funds would be available by Tuesday, XX/XX/XXXX. My claim was denied with no documentation as to why or what to do. A new claim will be started XX/XX/XXXX. I will be calling the existing claims department to find out why my claim was refused in the first place but it should not have taken a month to figure this out. I should have had the funds made available sometime in XXXX. I should have received documentation about the funds in the first place and should not have had to go through hoops to find someone who could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Status : Closed This account is too old to remain on file. I requested the bureau remove it- they refurse and will not let me submit another request to have it removed.
Product: Money transfer, virtual currency, or money service

I have money invested with Coinbase. I now wish to withdraw my funds from my EUR Wallet and GBP Wallet. I have set up my XXXX bank account with Coinbase as requested. I have deposited XXXX Euros as requested ( on two occasions now ) which is part of Coinbase 's verification process. The money is showing as received in my Coinbase EUR Wallet and my EUR Wallet account has been credited. No when I click on the withdraw button the software directs me to the account verification page and requested that I deposit yet more money into the Coinbase EUR account so my XXXX bank account can be verified. I have emailed Coinbase, tried calling them and followed all on-line help available from Coinbase but can not get my money back. I am now starting to think Coinbase are either scammers or are having financial difficulties.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In late XX/XX/XXXX we received a letter from Freedom Mortgage stating that our XXXX XXXX XXXX XXXX  owners ( XXXX ) insurance expired '' ( see attached ). Thus far, our Homeowners Association 's ( HOA 's ) master hazard policy 's hurricane coverage has always been sufficient for Freedom Mortgage. I tried uploading proof of both the HOA 's master hazard coverage and my homeowner 's coverage, both of which are not expired, but the link provided in the letter was broken ( see attached ). The next morning, I mailed a copy of these documents to the address provided in the letter and called Freedom Mortgage to ask about the letter. They stated that Freedom Mortgage now requires condo owners to have wind coverage in their unit owners ' insurance in addition to the master hazard coverage. In the conversation, the agent also made a comment about how the policy had actually been in effect since the previous XXXX, and they should really be charging us for the past XXXX months. The agent also provided an email address to submit the proof of insurance when I pointed out that the link in their letter was broken. After talking to Freedom Mortgage, I called our insurance agent to purchase the coverage Freedom Mortgage said was required. This coverage was immediately put into place ( see attached ), and proof of insurance was sent to Freedom Mortgage, both by myself and my insurance agent. In XXXX, we received a letter from Freedom Mortgage stating that we still needed to provide proof of wind insurance from XX/XX/XXXX through purchasing our new wind policy in XX/XX/XXXX ( see attached ), or we'd be required to pay for the insurance they purchased on our behalf without our knowledge ( and at a cost that's over XXXX times higher than what we purchased ourselves as soon as we received notice of the requirement ). I contacted our insurance agent, who told me it's not possible to purchase retroactive insurance. My husband has contacted Freedom Mortgage regarding the retroactive insurance charges, and we have yet to receive clear information from Freedom Mortgage. We purchased wind insurance as soon as we were told it was required and our condo suffered no wind damage in the intervening XXXX months when this insurance was supposedly required without our knowledge. We should not have to pay nearly {$2000.00} for a product that we were not aware we were required to purchase, we did not use, and, given that it covers the past, we can never use.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. In XX/XX/XXXX I used the app Remitly to make a money transfer transaction to from my checking account to my wifes checking account to her bank overseas. The funds were withdrawn the moment I made the transaction. Their record show the transaction was completed and the the funds were delivered to my wifes checking account, but she never received them. Attempted several times to tried to find what happens to the funds and opened an inquiry to trace the funds, but have not received a response from Remitly and now they are unreachable. Not by email, phone or email. The funds were withdrawn form my XXXX  XXXX XXXX checking account and were supposed to be sent to XXXX XXXX to her XXXX checking. {$220.00} or {$12000.00} XXXX pesos.
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 XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Request and Demand for Removal of Collection Account from Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally demand that you cease and desist all collection activities regarding the above-referenced account. I do not acknowledge any debt to your company and dispute the accuracy of the collection reported on my credit report.

This account has been causing undue damage to my creditworthiness, and I demand that you immediately remove any references to this account from my credit reports with all major credit reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me in relation to this alleged debt, except to inform me that your company will comply with my request to cease collection efforts or notify me of legal actions that may be taken. 
I expect the following actions to be taken within 30 days from the date of this letter : XXXX. Removal of the collection account from all of my credit reports. 
XXXX. A formal confirmation in writing that you will no longer pursue collection of the debt. 
3. Verification that the account has been resolved and all adverse information has been removed from my credit report.

Failure to comply with this request will result in me pursuing further legal action and filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney General.

Please be advised that I am fully aware of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to assert them if necessary.

Thank you for your prompt attention to this matter. I look forward to your written response within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address significant inaccuracies on my credit report and to formally request compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i. Despite filing a dispute with your agency, it appears that the required re-investigation and resolution process was not followed in accordance with the law. Under the FCRA, you are required to : XXXX. XXXX a reasonable re-investigation of disputed items and notify the consumer of the results within XXXX business days after completing the re-investigation ( 15 U.S.C 1681i ( a ) ( 6 ) ( A ) ). 
XXXX. XXXX disputes to furnishers in a timely manner ( 15 U.S.C 1681i ( a ) ( 2 ) ( A ) ). 
XXXX. Ensure the accuracy of the information in the report by implementing reasonable procedures ( 15 U.S.C 1681e ( b ) ). Unfortunately, my experience indicates that these legal obligations are not fully adhered to. Specifically, the following inaccuracies remain unresolved and require immediate correction : ACCOUNTS : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As outlined by the FCRA, failure to resolve XXXX XXXX the FCRA required time-frame entitles me to request the XXXX of the disputed items from my credit report. I request that these items be thoroughly reviewed, and if they can not be verified or corrected, they must be removed immediately to ensure compliance with the FCRA. Should these issues not be resolved promptly, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and other relevant agencies. I trust that you will address this matter with the urgency it requires and ensure full compliance with federal law. Please provide a written confirmation of the resolution. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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

in accordance with the Fair Credit Reporting Act XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX Account # xxxxxx XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX ( {$30000.00} ) Account # xxxxx XXXX XXXX, XXXX ( {$63000.00} ) Account # xxxxx XXXX XXXX XXXX ( {$3300.00} ) 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted Experian, XXXX, and XXXX regrading an inaccurate reporting of a court bankruptcy public record from 2014, which is no longer list on my XXXX Credit Report. I have asked for this discrepancy to be removed from my Experian and XXXX Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, Equifax and XXXX   have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX Equifax deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.
Product: Credit reporting or other personal consumer reports

All student loans ( both XXXX and private ) that were on my account with Navient were found to be fraudulent and were to have been purged. All negative credit bureau reporting was to have been reversed. While the amount of the loans has been removed from my credit reports, my credit scores have not been adjusted accordingly. In addition, Navient is to reimburse all payments that I ever made made on all loans that they serviced, including all fees and interest that was paid. This comes to roughly {$25000.00}. They have refused to have the credit scores adjusted, they have refused to reimburse the monies they legally owe me and even though all loans list XXXX amounts, they continue to list due dates on some of them.
Product: Debt collection

They continue to email me about my deceased father 's medical debt. I am not responsible for his debt. 

I emailed them that it was illegal to email me and I called them to stop contacting me. They said they would remove me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 an error was posted on my credit reports by XXXX XXXX. I submitted a dispute with all 3 credit bureaus and was in contact with Ally on the matter. XX/XX/2021 XXXX called me and said they found the mistake and sent the paperwork to the credit bureaus to have the mistake removed which all 3 companies did.

The problem is with Experian. When the mistake happened it lowered my Experian score 34 points. When the mistake was removed it only returned 13 points. I called to ask why and Experian said there is nothing that can be done to look into, and or fix it, and that I just have to wait for the algorithm to " self-regulate ''. The thing with algorithms, when the data that caused -34 points is removed from the equation, then the -34 never happened in the first place and I should have seen a +34 upon removal of said data. This is exactly what happened with XXXX  and XXXX  but for some reason Experian can't do math and they are not willing to accept and correct their errors. 

Experian even marked my dispute incorrectly. They remove the erroneous 120 day late payment. Yet marked my dispute as " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' They seem to be very confused about what they are doing over there.
Product: Debt collection

I have contacted this company several times and told them that this debt is not of my knowing. Also, I have sent them a letter and told them that the debt is not mine. If this problem can't be resolved, I will be forced to use legal action. Please remove this account from my credit report as soon as possible.