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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have On Your ACDV Form..

I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.

Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Account - Balance - Account - Balance - Account - Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from Chase card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX  and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the chase card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue Chase card I'm trying to avoid going this route so can you all please help.
Product: Credit reporting or other personal consumer reports

I pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.
Product: Student loan

I have a consolidated XXXX loan that is serviced by Navient. My loan originated in XXXX with an interest rate of 4.375 %. I have faithfully made all payments for the past XXXX years. In or about XXXX, XXXX I enrolled in XXXX with Navient, which entitled me to a .25 % interest rate deduction on my loan and monthly payment amount. My minimum monthly payment ( without the interest rate deduction ) was calculated at {$440.00}, which is the required minimum amount I have been paying since XX/XX/XXXX ( based on XXXX records- for which I doubt the veracity thereof. Navients processes and communications are repleat with errors ). Navient has acknowledged, in writing, repeatedly, that Navient ( either intentional, recklessly or negligently ) used the wrong interest rate my monthly payment amount for 15 years. Even according to XXXX own correspondence, they have acknowledged that, for the period XX/XX/XXXX to present they were using the wrong interest rate ( Navient used XXXX instead of my actual interest rate of XXXX XXXX Thus Navient wrongfully collected and retained thousands of dollars ( over the course of XXXX years ) to which they were not entitled. That was my money, it should have stayed in my pocket and earned interest. Navients responses to my complaints have been along the lines of even if though we calculated your monthly payment amount using the wrong interest rate, you ultimately owed more money than we collected ( ie my total outstanding loan balance/interest exceeded the overage amount Navient wrongfully collected and retained ) so we did nothing wrong ; we will not return these overcharged payments to you and we did nothing wrong by collecting more than we were entitled to. I want my overpayments returned to me, plus Massachusetts statutory interest applied to those amounts for the 15 years during which Navient overcharged me, wrongfully retained said overpayments, and their false, deceptive, misleading and fraudulent communications surrounding this matter which were designed to obfuscate Navient wrong doing and, by proving false and fraudulent information, dissuade me from pursuing rightful compensation in this matter. I demand Navient reimburse me well over {$5000.00} in actual and punitive damages as allowed by applicable federal and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the TransUnion for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1 ) XXXX XXXX XXXX Date of inquiry XX/XX/2021 2 ) XXXX  Date of inquiry XX/XX/2021 3 ) XXXX XXXX Date of inquiry XX/XX/2021 4 ) XXXX XXXX  Date of inquiry XX/XX/2021 5 ) XXXX Date of inquiry XX/XX/2021 6 ) XXXX  Date of inquiry XX/XX/2021 7 ) XXXX XXXX Date of inquiry XX/XX/2021 8 ) XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed some late payments posted on my credit report : Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account # XXXX Account : XXXX Account # XXXX Account : XXXX XXXX  Account # XXXX Account : XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account : XXXX Account # XXXX Account : XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for w
illful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting

I tried to get my free annual credit report on XX/XX/2017 from Equifax and received a response that online delivery was not available for my request. Instead I was directed to not only complete a paper request form that would contain every single piece of my personal information on XXXX page to be sent through the mail but for " identity purposes '' also include some other form that would also contain my complete XXXX to be sent along with it. Secure online delivery is far safer than sending this kind of personal information through the mail and Equifax should be mandated to make delivery available by electronic means for the annual report that consumers are entitled to.
Product: Credit card or prepaid card

I gave access to XXXX XXXX XXXX to my Wells Fargo and XXXX XXXX credit cards to transfer funds to me. I got cash advances and wrote balance transfer checks and XXXX XXXX  XXXX agreed to make payments to the credit card companies to pay for the withdrawals. They made payments initially but then reversed the payments. The reversals resulted in my card credit limits being exceeded by a factor of 3.5. Wells Fargo notified me that my card account had been closed and that the balance was - {$170.00}. I requested them to send me a check to take the balance to XXXX and they did. Shortly after, the balance went to - {$25000.00} after XXXX XXXX  XXXX reversed their payment. The credit limit on the account was {$17000.00}. The credit limit on the XXXX account was {$20000.00}. The balance soared to {$72000.00} after XXXX XXXX   XXXX reversed their account payments. One payment that was reversed was for {$52000.00}. XXXX XXXX XXXX took similar actions with my XXXX XXXX account. The account credit limit was {$20000.00} and the account balanced soared to {$57000.00} after their account payments were reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 2 or 3 years ago my brother stole my information and was using it to open fraudulent accounts in my name that I didnt consent to.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report as I am a victim of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my rights to protect my credit from further misuse by having this compromised information removed. 
Below are the accounts I am requesting to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my credit report and was disappointed because I saw that inaccurate accounts are reporting on my report. I have no idea why this is happening to me so please check the documents I've sent.
Product: Debt collection

I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( $ {$570.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report. 

XXXX ( {$220.00} ) XXXX XXXX XXXX ( {$200.00} ) XXXX ( {$790.00} ) XXXX XXXX XXXX  ( {$27000.00} ) XXXX XXXXXXXX ( {$1200.00} ) XXXX XXXX ( {$0.00} XXXX XXXX XXXX {$190000.00} )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to withdraw {$2000.00} from my Coinbase account into my XXXX Savings account, but I did not receive the funds. After analyzing the transaction history, I realized that it was sent to a different XXXX XXXX account. As I continued to look at my linked bank accounts on my Coinbase account, I noticed there were 2 different XXXX savings accounts linked to my Coinbase account. This is a problem because I only remember linking 1 XXXX savings account. 

Because of this, I believe my Coinbase account must have been hacked and this extra XXXX savings account was added without my authorization or knowledge. Since I only added XXXX XXXX savings account to my Coinbase account, I must have selected the unauthorized and unknown XXXX savings account for the XXXX transaction because both accounts were labelled " XXXX Savings ''. 

I have no idea or no knowledge of how this unauthorized XXXX savings account showed up on my Coinbase account. In addition to this, I've only had one XXXX savings account and XXXX XXXX checking account in my lifetime. This can be verified through XXXX if you wish to contact them. 

I have tried to resolve this issue with Coinbase and attempted to get my money into the correct account, but they informed me that they can not do anything about it because I was the one who authorized the ADDITIONAL XXXX savings account, therefore it was my fault. This does not make sense because there is no other way for me to have known the full account number of a whole different XXXX savings account if I only had XXXX XXXX savings account to begin with. I also contacted XXXX to see if they would be able to track where the money went, and they did confirm that it was sent to someone else, but they could not do anything about it either. 

I have a picture of the {$2000.00} transaction that was sent to the WRONG and UNAUTHORIZED XXXX savings account that was somehow added to my account. I also have a picture with the email I received from Coinbase who claimed they could not help me ( with a case number ). And I also have another picture of another transaction on XX/XX/XXXX where I was able to successfully withdraw {$110.00} to the CORRECT XXXX savings account. Again, this can all be verified with XXXX that I have never had 2 XXXX savings account. 

If you need any other documents to help support my claim, please let me know and thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX XXXX. and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. XXXX of the incident numbers is XXXX. There have been over {$16000.00} in charges by SeeSawUSA.com on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX  XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.
Product: Credit reporting or other personal consumer reports

There is a U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed no credit bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The credit bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have attached the documentation from XXXX that they deleted the inaccurate bankruptcy they use to report against me. If XXXX, XXXX and XXXX all have freezes and deleted this erroneous bankruptcy, how are you validating this debt to stay on my credit? Failure to respond in a satisfactory manner within 30 days or unlawful non-complaint will lead to legal action.
Product: Checking or savings account

On XX/XX/2021 Saturday I was charged fraudulently for {$39.00} by a gym I am not a member of. I immediately contacted US Bank and told them about the charge and they said they couldnt do anything because it was pending. I requested a call back on Monday to fix things to which they agreed. I never heard anything and after about a week I contacted US Bank again this time the charge was reversed. They informed me I was being sent paperwork to certify the charge wad fraudulent. I returned the paperwork and everything seemed ok. But today they have removed {$39.00} from my account. This time it appears to be US bank taking the money out. They have not contacted me with any explanation for the debit. 

This has been such an inconvenience and I just cant understand why they are taking my
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}