23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681. XXXXXXXX XXXX XXXX XXXX account # XXXX. XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX. XX/XX/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 an 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 crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Account Name : XXXX XXXX  XXXX Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. 

You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX & Equifax XXXX XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. Specifically, the fraudulent account is with XXXX XXXX XXXX Additionally, the report contains unauthorized hard inquiries listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent items have led to inaccurate entries on my consumer XXXX credit report. I do not recognize these fraudulent accounts or inquiries as reported, and they were neither opened nor authorized by me. All of these accounts and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) from the US Federal Trade Commission, which verifies that these items are indeed fraudulent. Please remove these items and cease all related collection activity in accordance with my rights under the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

everything is wrong on my credit report i despite a lot of stuff on my credit report and it is still on my credit report
Product: Credit card

I have contacted this SYNOVIUS several times and told them that I never opened an account with them and never authorized it. I even send in the report as well showing such and they STILL refused to acknowledge it and remove me out their system and ny credit report. Instead what they did was immediately sell it to another debt agency and then tell me the contract has been sold to someone else and they no longer own whatever account or contract that I never authorized under my social and YET it is STILL sitting on my credit report. As an XXXX XXXXXXXX XXXX XXXX if I have to pause to hire a lawyer and sue this bank or whoever these people are I will absolutely do so because I have VALID PROOF that I did not open anything with them AS I WAS XXXX the time any of this took place and I am NOT married. REMOVE this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised by the Equifax hack
Product: Credit card or prepaid card

Rec 'd bill from card company, due date was XX/XX/2019. sent money online to Capital One on XX/XX/2019, by bank released funds on XX/XX/2019 said money was sent to ( {$320.00} ) Capital One. Informed by Capital One all funds are held for 7 days before releasing to the account. Is this legal? Someone is drawing interest on this money and it's not me, Are they really allowed to hold money for 7 days? Before applying to account.?
Product: Vehicle loan or lease

After the lease ended, we decided to purchase the car. We refinanced the car with our local credit union on XX/XX/2019. A few weeks later, the credit union reached out to say that they did not receive the title. I first reached out to Hyundai, on XX/XX/2019 via the internet. I was requested to follow up via the phone. I called XX/XX/2019 to ask about my title status. After being on hold for over 1/2 hour, I was told it was because the odometer statement was never submitted to them. ( They never sent an odometer statement in the first place. ) So they agreed to send it to be docusigned. The statement was signed and sent back to them. I called the following day to verify if they received the document. They told me that they couldn't verify it because it hadn't been three days yet, so to call back. At this time, I asked that the bill of sale be sent as well. They said that they could email that to me. I called back after 4 days ( I gave them an extra day ), They said that the document signed didn't work because they accidently clicked a box on the form that they sent me. ( There was no followup from the company to me to let me know this. ) The form was signed again and sent to Hyundai. We requested that they send the title and bill of sale at this time as well. They promised that the title would be released within a week and the bill of sale would be mailed and we would get it within 5-10 business days. We received the title release as of XX/XX/2019. We further waited the end of the 10 days, with no bill of sale from Hyundai. We called again and were told they would email it to us within 5 business days. At this time, we verified the email address again. 5 days has passed again and we have not received anything. We called again today and they said they would have it to us within 3 days. 

They received our payment at the beginning of XX/XX/2019. It has now been two months, of dealing with this company with no results. Within our state, we have 30 days to register and pay our sales taxes. I can not complete this without the bill of sale on the vehicle. That window of time has passed and every additional day we are charged interest and penalties on the taxes due. 

We ( my husband and I both ) have spent an exorbitant amount of time ( hours ) attempting to fix this and Hyundai seems largely unconcerned with helping us resolve this issue.
Product: Credit card

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Product: Credit reporting or other personal consumer reports

I want the debt reported by XXXX XXXX XXXX for {$3800.00} to be removed from my credit report as it violated my rights to accurate and fair reporting since the date of the initial debt is incorrect and this bureau ( CFPB ) can see within its records that it is inaccurate, as I made an attempt to dispute the fraud in XXXX. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate. The account is listed as opened on XX/XX/XXXX, yet that is inaccurate and thus should be removed. Further, 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. I committed no crime and in fact, a crime was committed against me when my identity was stolen, and this should not be adversely affecting me because the law protects me from such negative reporting, especially for which the company can not prove that I opened these lines.
Product: Credit reporting

I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX Mortgage account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the credit bureau ( Equifax ) but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX  Reference XXXX XXXXXXXX Account Number XXXX To whom it may concern I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. I request that your office provide me with full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Please supply the following information : XXXX. Verification of the amount owed, including a detailed account of the principal, interest, penalties, and any fees that have been added. 

XXXX. The original name and address of the creditor to whom the debt is owed. 

XXXX. Copies of any agreements that show I agreed to the debt in question ( e.g., a signed contract or credit agreement ). 

XXXX. A complete transaction history or statement to substantiate the legitimacy and amount of the debt. 

Furthermore, if this debt has been cancelled or forgiven, in whole or in part, such that you are required to issue a 1099-C form per IRS regulations , I request that you provide a copy of the form. Cancellation of debt should not be reflected as an amount owed if it has in actual terms been forgiven and reported to the IRS.

Please consider this letter a written dispute as permitted by the FDCPA. Upon receipt of this letter, please cease collection activities until the debt has been validated, as required by law.

I appreciate your prompt attention to this matter and look forward to receiving the documents requested. Please reply in writing at the address provided. 

Thank you for your cooperation. 

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

My issue is with PenFed Credit Union. I applied for their XXXX card online on XX/XX/22. That same day, I was sent a text message that stated they needed more information. It was a long list asking for such things as a copy of a utility bill, driver 's license, proof of income, and more. It was too time-consuming to do all that ; therefore, I decided NOT to pursue it and sent no information. On XX/XX/XXXX, I see that another hard inquiry was made on my XXXX report! I did not apply a second time, nor was this authorized by me. This second hard inquiry brought my score down. I immediately called PenFed Customer Service. The following is a timeline : XX/XX/22 I spoke to XXXX, ID XXXX. She asked me to upload my XXXX Credit Report to a secure site. The reference number to confirm the upload is XXXX. She said she would look into the matter. 
XX/XX/22 I spoke to XXXX who said it would be done in 60 days. 
XX/XX/22 I spoke to XXXX who told me 90 days XX/XX/22 I spoke to XXXX who told me XXXX more days and gave me a case number : XXXX XX/XX/22 I spoke to XXXX, who transferred me to XXXX. She said there should only be one inquiry per application and that was all that was submitted. I never applied twice. Said she would handle the matter and never got back to me. 
XX/XX/22 My case was escalated to a supervisor who asked me to again upload my XXXX Credit Report. Once uploaded, it gave me a confirmation reference number : XXXX. She told me I would get a confirmation that it had been taken care of and that never happened! 
It has been over 7 months since I first began my communication with PenFed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX XXXX XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a XXXX % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in Missouri. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal dispute with Experian, XXXX  and XXXX  on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested Experian, XXXX  and XXXX  to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. XXXX, Experian and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand Experian, XXXX  and XXXX  be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX/XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
Product: Debt collection

I hired XXXX XXXX XXXX to track my ex-husband for XXXX weeks in XXXX of 2019. I was charged for services well beyond the agreed time frame. I was even charged for GPS tracking after the device was said to have been removed. The fees and charges applied to me are inflated and/or ficticious. The invoice statements reflect 'double dipping ' - charging me twice for the same services, charging me for mistakes on their end, charging me for services before the agreed time of service, and charging me for services that could not have occurred after the GPS device was said to have been removed. 

Please carefully review the invoices included below.
Product: Credit reporting or other personal consumer reports

I called to update my personal information my address name and job because all the information on my credit report is inaccurate and theyre refusing to update my information
Product: Money transfer, virtual currency, or money service

Coinbase has suspended trading XXXX  and in turn prevented access to me from selling off the digital asset and withdraw my money. Coinbase refuses to allow me to convert the digital asset back to USD.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, 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 physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report