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

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING I do not have a contract with this company and I don't owe the debt, please delete immediately that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. '' I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed on my credit report Money Lion INC, Ive never opened an account for a partially secure loan with Money Lion. This is also a closed account reporting with a late payment date which makes no sense.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Highest Balance : {$900.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Highest Balance : {$0.00}
Product: Credit card or prepaid card

In XXXX and XXXX of XXXX, my sister suddenly withdrew from our planned trip flights to XXXX I was paying with frequent flyer miles. But soon after, the COVID pandemic hit and our world changed. 
But I had called to cancel the trip and get the mileage back as well. But the employee I spoke with would not honor all of the miles. This was hurtful. I haven't located the page where I wrote notes on this conversation. Not long after, I received four debit cards totaling {$450.00} from US Bank. 
Currently I'm living in a declared disaster zone! Power was out for over a week and everything spoiled in the fridge. Although it is flooding everywhere, I can make it safely to the local market XXXX XXXX away. I'm currently overdrawn at my bank so I need to use these debit cards. 
I located them yesterday thank goodness! I called to find out the amounts on each card. It was then I learned the original amounts had been greatly reduced due to fees! There is an expiration date on them but I didn't have any idea about these fees. 
We've been in a pandemic for over two years. I'm currently in a disaster zone. I'm over XXXX XXXX XXXX and I need to buy food! 
As an example, I learned that a card that originally had {$50.00} now has only {$14.00}! This is unconscionable.
Product: Debt collection

On XX/XX/2024 I received an email from FMA Alliance LTD claiming an XXXX account is now with them for the amount owed of {$38.00} File Number : XXXX. I gave the company XXXX business days to send me a written notification. They failed to send a written notice. They only sent email communication that did not contain all necessary information required by CFPB. I have a copy from the United States Postal Service for mail received up until today to show no mail was received. I can release this upon request. DO NOT close this complaint without my response to the collection agencies response.
Product: Credit card

On XX/XX/XXXX I opened the dispute for the charge of {$64.00} showing in the credit card under XXXX XXXX. The order that I placed on XX/XX/XXXX with XXXX  for XXXX wind chimes was never delivered to me so I requested to cancel the order and asked for the reimbursement. 
The moment I opened the dispute, I was asked by XXXX to cancel the dispute to have my money returned by the seller. As requested, I cancelled the dispute on XX/XX/XXXX. Until today, I have not received the money which the company itself admitted in the e-mail of XX/XX/XXXX however on XX/XX/XXXX the seller submitted the statement to Discover that the money was returned. Based on the blank statement not supported by any documentation of such action the bank declined to reopen the dispute when I called on XX/XX/XXXX and requested me to submit additional documentation supporting my claim of unresolved dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX I reached out to this CRA to request that the below listed hard inquiries be deleted. 
The tracking information above proves they did receive my request and have refused to do so at this time. Here are the inquiries once again that need 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
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered that it contains accounts which are not mine. This situation is not only unfair, but also deeply concerning, as I have never authorized or been involved with any actions associated with these accounts.

If these errors are not thoroughly investigated and resolved, I will be left with no option but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I borrowed a personal loan from Lending Point which is : XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$4000.00} on XX/XX/2023 at $ 34.9775 % interest. I had to pay a fee of {$300.00}. which was tacked on same day. My payment was {$180.00} per month until XX/XX/2023 when I paid the balance of {$4100.00}. This means that the payments for 9 months which totaled {$1600.00} ( paid on-time payments ) plus the {$300.00} origination fee, plus another {$300.00} to lower the interest sometime in XXXX ( which never made a dent in principal ) total a staggering {$2200.00} on a {$4000.00} loan. 
To top this off - Lending Point never reported to the credit bureaus that I paid the debt in full which would bring up my credit score at least XXXX points putting me over XXXX for a score. I opened a dispute with XXXX in XXXX XXXX which still has had no response from Lending Point . I want action now and it's predatory lending practice to cease. If I had a clear and concise idea that I would pay {$2200.00} in interest, fees, etc. I never would have borrowed the money from them! The total principal paid was under {$200.00}! I never had a bankruptcy, foreclosure or missed payment ever! Surely, Lending Point is a predatory lender which should pay me back the fee of {$300.00} and the interest that was never lowered for two months. Most importantly, the full XXXX XXXX of {$2500.00} for the entire " three year life of loan ' looks like they gauged me the full amount even though I paid off in 9 months. I want a full refund of the finance charge minus the 9 months it took to pay off this predatory loan. {$2500.00} divided by 36 months = {$70.00} per month. {$70.00} x 9 months = {$630.00} This plus the {$300.00} fee to lower interest in XXXX pus the {$630.00} = {$930.00} Lending Point owes me!

Please Help me get these monies back and to have my XXXX balance reported to all 3 credit agencies.

Thanks for your time and consideration! 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( CAPITAL ONE BANK USA N ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. l received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Checking or savings account

On XX/XX/XXXX, I noticed three consecutive unauthorized charges on my account from that date. The first was to XXXX XXXX DVRS ( a known fraudulent charge ) for {$10.00} from XXXX XXXX, Florida. The next two were both to XXXX XXXX in XXXX XXXX, New York one for {$67.00} and the other for {$200.00}. I contacted XXXX XXXX immediately and had to talk to 3 different people and was told there was nothing that could be done at that time as the charges were only pending but I could contact the companies responsible for the charges and have them reversed. I contacted XXXX first and was advised they had no record of the charges in their online system. They were charges made at a retail location and I would need to contact my bank to have them removed. When I called the number XXXX XXXX provided for XXXX XXXX, I was advised that this number was no longer in service. I contacted XXXX XXXX again on XX/XX/XXXX regarding the charges again. The two charges from XXXX were no longer pending and I was advised they could be removed if I called back once they were not pending. This time I was told all they could do was issue a dispute and I would not get my money back but they would issue me a new card at no charge. They charged me {$5.00} for the card and no dispute was submitted. I called again on XX/XX/XXXX and was told to stop calling because I was responsible for all the charges because I gave someone my card and I would not receive and credit or a new card and my old card was now cancelled so I would have no way to access my funds going forward unless I transferred them to another account and paid a fee to do so every time. I am out the {$280.00} stolen from my account plus the {$5.00} and have lost several hours of work trying to get this resolved. I also am in Ohio and have been the entire time these charges were made which should tell them that I could not possible make it from XXXX XXXX, New York and back to Ohio to call and dispute the charges or even make the other charges on my account in my area that same day. The representative named XXXX advised me that I can not give people my card and then dispute the charges just because I do n't want to pay for them. When I told her the card was never out of my possession and I did not authorize anyone to use my card. She told me " Yeah right. That 's what they all say ''
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Debt collection

I have not received any calls on my phone nor have I been contacted by mail. I had a loan from XXXX that has a balance of XXXX or more. It was XXXX. They had garnished my pay and have taken all of my refunds each year. I lost my job in 2015 n am now unemployed looking for work but also taking care of my XXXX year old mother. I had a neighbor come over to tell me a XXXX from general revenue Corp XXXX called her asking questions about me. I never received notice that my loan changed hands then another neighbor called telling me the same thing. Both said she asked if she could call them back. Both said no. Today they called my mother 's phone n left a message to call XXXX. Luckily I got the message before she did. It would kill her to know they are calling her long time neighbors. I went online n found numerous complaints about them. I could n't read all due to the large amount. Most said they are scamming and identity theft I am looking into bankruptcy because of medical debts
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I started working with an online company called XXXX. everything went great for 3 months. I deposited over XXXX dollars in bitcoin. They shut down on XX/XX/2022 and took all my bitcoin with them.