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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
Accounts : XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX  / XXXX XXXX XXXX  OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX  OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number onXX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX Investors. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXX Thanks for your attention to this matter. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am filing a complaint to request in compliance with the FCRA XXXX ( XXXX XXXX. XXXX ) regarding information appearing on my consumer credit report that is inaccurate and unverifiable. I believe this information XXXX be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. Provided this inaccurate and unverifiable information must be the result of identity theft and or fraud ; if it remains inaccurate and unverifiable this information must be removed within XXXX business days of you receiving this complaint. 

I am writing to report and formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( XXXX  ) XXXX U.S.C. XXXX and the Fair Credit Reporting Act ( XXXX  ) XXXX XXXX. XXXX. The following account ( XXXX ) are being reported incorrectly as I did not authorize nor do I recognize these accounts. Therefore, they must be deleted immediately : Collections : XXXX Account # XXXX Account Type Collection Agency/Attorney Placed in Collections XX/XX/XXXX Amount Owed {$330.00} Collections : XXXX XXXX XXXX Account XXXX XXXX Account Type Collection Agency/Attorney Placed in Collections XXXX XXXX, XXXX Amount Owed {$640.00} Collections : XXXX CREDIT BUREAU Account XXXX XXXX Account Type Collection Agency/Attorney Placed in Collections XXXX XXXX, XXXX Amount Owed {$3300.00} Collections : XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney Placed in Collections XX/XX/XXXX Amount Owed {$420.00} Closed account XXXX XXXX XXXX BANK Date Opened XX/XX/XXXX Account XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$1200.00} XXXX inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN Experian XX/XX/XXXX CONSUMER PORTFOLIO SVC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX NCCINC/ENTERPRISE CAR Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Installment Accounts- Experian Only MODERN FINANCE XXXX Collection/Chargeoff XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX MODERN FINANCE XXXX Closed Closed on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you ; were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my credit report and unauthorized inquiries due to me being a victim of identity theft and involved in Equifax data breach. I have listed them below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I keep making payments through Synchrony Bank 's payment website, and even though I've used the same account for years and paid from it to my Synchrony Bank balances, they keep claiming it gets sent back as invalid. My Credit Union stated that Synchrony never made any attempts to request payment. This has happened on the XXXX  of every month for the last six months, as well as several other days, notably the XXXX of XXXX.
Product: Debt collection

I have never done business with CREDIT COLLECTION SERVICE # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for  purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Product: Checking or savings account

I bank with Chase bank, and on XX/XX/2022 i went through the drive thru service to withdraw {$8000.00} from my savings account. The teller did not ask how i wanted my bills ( as accustomed ) and she proceeded to give me all types of change from {$100.00} 's to {$50.00} 's to {$20.00} 's. I counted the money while in line and proceeded on my way ( no transaction receipt was provided to me ). During the week i tried to deposit that money to another bank and the bank will not take 1- {$100.00} bill. On Wednesday XXXX, when I had a chance i called the bank where i received this money but i had no luck reaching anyone. It wasn't until Friday XX/XX/XXXX that i had the time to stop by the bank to try to handle this issue ( thinking they would take care of me ) but instead they did not take responsibility for this. Instead they told me why it took me so long to report this bill back to them and that the only thing they could do was to send the bill to the " federal reserve '' and have them re-issue the bill to me. I followed up with them today XX/XX/XXXX ( 2 weeks later ) and now they are saying the secret service in XXXX TX is looking in this. I am in awe as how this is being handled and never have i EVER dealt with issue like this in any other bank institute. This XXXX XXXX was given to me at Chase in XXXX XXXX TX and the way they handled the situation with me is not acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize.

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.
Product: Debt collection

Bonneville Collection Agency is trying to collect a debts from XXXX on XXXX court fines that were paid in XXXX. Unfortunately I threw out all records of payment about 2-3 years ago. Since no one had made any attempt to contact me in 10 years, I was certain the matters were closed. The amounts of the fines originally were between $ XXXX {$500.00} and now with 12 years of interest accrued are around {$1500.00}. 

On speaking with the representative originally she acknowledged that at least XXXX of the files was so poorly documented that she could n't understand what was owed. She also told me that it actually appeared to her that I should not owe anything to her and she would have someone else look at it. I was just contacted again and told that I needed to pay the full amount, but I refused.
Product: Checking or savings account

XXXX Checking account opened online with Bank of America XXXX Called and verified, was told to visit a branch. 
XXXX left message for Mgmt to call, no response. Called Bank of America.. 

Verified chk was opened online. She advised i visit a local branch
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX & account # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

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 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred funds from my personal bank account into this US-regulated crypto exchange, GEMINI, no problem for that. Then, I bought Bitcoin on their platform, no problem either. 

Then, I asked to withdraw my BTC, and the platform doesn't allow me to do so. I tried several times, from computer and phone 's app. 

On XX/XX/2023, I sent their support an email. Initially I got an answer saying " I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps '' ( From XXXX ). 

That was very first and last email. Never got back to me, although I sent more follow up messages in the next weeks. 

Finally on XX/XX/XXXX I got an answe from another representative, this time XXXX. He said basically the same XXXX said a month earlier. Now, it took 3 more weeks for his next response. 

On his last email, XXXX basically said to me that I can't withdraw the bitcoin I bought on their platform, but I can sell it and withdraw the XXXX. 
My simple and humble question : WHY? 
Why I can put money into their platform and buy crypto without any problem and then I can't withdraw? 
Why they promise on their platform that I can buy crypto and withdraw as soon as my money is confirmed, which happened in a matter of couple of days, and then it's all a lie? I can't withdraw my crypto.
Product: Mortgage

I was approached by XXXX XXXX about adding solar power to my home. After a couple of visits, we had a XXXX  meeting to close the deal. I was told that I would receive a {$20000.00} credit for the purchase. They said I could either keep the money, or apply the amount to my balance ( to keep the payment from ballooning ). The system was not completed. I tried to contact my salesperson but I was unsuccessful. I learned that XXXX XXXX had filed bankruptcy. I never received the payment. I learned like others, we were mislead about the {$20000.00} payment. I attempted contacting the finance company ( GoodLeap ) in regards of keeping my payment from ballooning. They did not give me any relief.
Product: Credit reporting or other personal consumer reports

I took out a personal loan with XXXX XXXX for {$2000.00} in XXXX XXXX XXXX to pay some credit card debts, I have always paid the loans payments timely, I had periods of unemployment where I was not able to pay timely, I HAVE XXXX SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX  due to this issue or XXXX XXXX XXXX XXXX. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT ALL OF THE LATES BE IMMEDIATELY CREDITED TO MY LOAN IMMEDIATELY!!! Also {$1500.00} payment for emotional distress IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural peron, I am a living human being. I have rights under 15 USC 1681 Transunion is governed by 15 USC 1681 and they have violated my rights numerous times.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

I demand the accounts listed below be removed XXXX XXXX XXXXXXXX : # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT ALL OF THESE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSION IDENTITY AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED AND WILL SUE FOR REPORTING INCORRECT INFORMATION, YALL HAVE NO LONGER THEN A MONTH TO FIX THIS PROBLEM AND CLEAR MY REPORT FOR THESE ERRORS!!
Product: Credit reporting

I had a payday loan with XXXX XXXX XX/XX/XXXX. It became delinquent immediately. XX/XX/XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XX/XX/XXXX. But XXXX XXXX put that date as XX/XX/XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Experian and they left it on my file.
Product: Checking or savings account

Capital One ATM # XXXX XXXX time : XXXX So lets start off by saying that I 've previously had multiple problems with the cash receiver on this particular atm having errors while counting my rent cash deposits and one problem after that previously where the cash deposit on their ATM took upwards of XXXX dollars and it was kept in the machine. The machine then spit out a repeipt that I complained and received my money the very next day. They claim that someone was repairing the ATM at the exact time that i was depositing my rent. The gladly gave me my money back and the complaint was a success. Now, this new situation. I went to the atm XXXX the XXXX to deposit rent. I went with over {$1000.00} for rent. The cash machines can only take a little cash at a time so I deposited the cash little by little by hand. Because I was blindly depositing small amounts from my wallet at a time just because i didnt want to be holding a mount of cash at the ATM. After from what seemed to be a large amount of money deposited, due to the money that I would count after the error would occured, the ATM tool all my money and gave me a receipt tellimg me to call Capital One. My rent was due. Already 3 days late. How much did I deposit? Im tired of this ATM giving me problems. Why do n't they fix it. I actually mentioned to them that it had a problem twice before. When I called Capital One they asked me how much I deposited and According the rent that I recieved I did that math and gave them an honst ballpark. They returned my money to me the next day only to send me a letter in the mail one month later telling me that their machines counted a different amount that I claimed. It would have been fine if the number did n't seem farfetched. Your money counting machine works just fine when you want it to but your ATM cash money receiver just stays broken and locks in people money? And there were people behind me. Did the machine open back up and the next person toolk my money? The root of the problem was the ATM. For months. Now they are asking me for {$530.00}. Another thing, when I deposited cash there is a max number of times the machine can count the cash before you have to remove your hard and reinsert it and start over. And thats exactly what I did before is choked. This receipt is not showing everything. I had to walk outisde to the atm outside too. Check the other ATM transactions. All this money for something that started with a problem that was created from their end. After that it took weeks for anyone to call of even email or anything. All they want is their money. Not admitting to any ATM problems or anything like that. Blind eye. The least you could do is give me my account back, give me a clean zero balance, and fix your ATM or at least stop doing cash deposits. This bank is the new type of branches that do n't have TELLERS and no CASH inside. All the CASH is in the ATM. The ATM gets tons of CASH DEPOSITS most likely and failure to upkeep it and blaming the problem on the consumer is a HORRIBLE business practice. I demand justice.