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

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this 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 the following accounts be verified or deleted immediately : Account Name : XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX  Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful noncompliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Hi National Recovery Agency ; NRA ; XXXX XXXX ; You are reporting an illegal, fraudulent, inaccurate account under my personal information for alleged balance of {$1800.00}???!!! Again, I am writing to address this matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a student at XXXX in XX/XX/XXXX-XX/XX/XXXX. The school opened up our financial aid accounts and loans and was later on shut down for financial aid fraud. I have written to great lakes loan company and eventually received a letter that my loans would be dismissed. The loans keep showing up on my credit report along with late payement remarks. As far as the loans go Great Lakes refuses to do anything about the issue. As far as the late payments go I ask that those be taken off as I had no idea payment should be made due to my loans being taken off. XXXX frauduantly opened these accounts. Who is to say I received all the money I should have received or it went to the right places? I would constantly get emails that payment was submitted to me and the financial aid office would say nothing was there. it was very shady. I refuse to pay these loans as they are involved in a fraudulent service and I never got what I paid for.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any Purpose
Product: Credit reporting or other personal consumer reports

I reached out on XX/XX/year> and disputed balance / requested. Validation of debt. XXXX responded with false ledger that did not belong to me. I then submitted court documents, police reports, FTC report, and full ledger from orginal creditor advising I never owed a balance. 

The credit bureaus and procollect are not replying with requested information and it is now XX/XX/year>. It has been way over 30 days. This debt should be removed
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Filed fraud report as well as a police report with original creditor. This is the 2nd attempt with a new debt collector, which has resulted in lowering my credit score again. This company is in violation of Title VI of the Consumer Credit Protection Act.
Product: Debt collection

XXXX XXXX sold the account to Portfolio Recovery Associates on XX/XX/2021, illegally, without authorization and without having arbitration. The debt collector has posted the illegally obtained debt on my consumer report as a collection, in the amount of {$400.00}. This has directly affected me receiving new credit that was applied for, a {$10000.00} credit card and a {$50000.00} loan.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 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.

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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Request to Update and Correct Personal Information Dear XXXX I am writing to request an update to my personal information in your records. Additionally, I am requesting that all outdated or incorrect personal information be removed and that only the updated information I am providing below and in the attached documents remain on file. 

Correct Information to Update Your Records : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Email Address : XXXX Phone Number : XXXX ( XXXX ) XXXX Outdated/Incorrect Information to Remove ( if known ) : Previous names, addresses, or other information no longer accurate : List outdated information if known, or Unknown information. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 To support this request, I have attached the following documents for verification : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., a recent utility bill, lease agreement, or bank statement ) Legal documentation for a name change ( if applicable ) Please ensure that any information not matching the documentation provided is promptly deleted from your records. I would appreciate receiving written confirmation once these updates and deletions have been completed. If additional information is needed, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

Coinbase Account I want to close this account and withdrawal my money but you can't contact this site by email or phone they withdrawal money from my account with no authorization and overdraft myXX/XX/XXXX account.
Product: Vehicle loan or lease

On XX/XX/2018, I entered into a consumer credit transaction to obtain a XXXX XXXX XXXX for my personal, family, and household use. Upon recent review of the documents provided, I noticed Nissan Motor Acceptance Company, LLC may not be in compliance with TILA and it's implementing regulation Z. The finance charge and the total balance due differ. Furthermore, I should not be paying cash or a cash comparable monthly, for the value I gave to Nissan Motor Acceptance Company, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my report.
Product: Checking or savings account

Chase closed my business account and froze the fund available ( {$49000.00} ) in XXXX. 

Upon discovering this, I called up the customer support who asked me to collect the final check for {$49000.00} from a Chase branch. On XX/XX/year> I went to their branch at XXXX, PA and provided all the verification they needed ( ID proof, proof of business ownership, etc ). After verifying the proofs, the branch said that the check can be expected in 4 - 5 business days. However, the check did not come through until XX/XX/year>. I kept visiting the branch and calling the customer support several times. 

On XX/XX/XXXX, I was asked to call the fraud protection line ( XXXX option # XXXX ). When I did so, I was informed that my ownership was not verified. I provided the details of the documents I had submitted at the branch on XX/XX/year>. They finally located the ownership proof and placed request to issue my check. However, it did not come through until XX/XX/year>. I have been following up since then with no result until now. My {$49000.00} is still held by Chase. 

Yesterday, after nearly 3 hours on the phone with the fraud protection line ( XXXX option # XXXX ), I learnt that they needed to verify the customer who paid the business. I provided two contact numbers of the customer who paid the business. But, Chase declined to call them for verificaiton as the contact numbers I provided did not appear in their " Risk Tool '' as being owned by the client. 

Now, I need to solve the puzzle of which contact number of the customer would verify in Chase 's " Risk Tool '' before I can get the final check. 

I humbly request you to intervene and help me receive the fund earned by my business. We are a small business and our employees and contractors must be paid out. This is hurting the business and causing serious reputation damage. It is also causing mental agony and frustration that hard earned money is being looted by Chase through this organized fraud. 

I am happy to provide all attachments necessary to prove any part of the claim above. Thank you very much.
Product: Credit card or prepaid card

On  XXXX   XXXX , I checked into the  XXXX   XXXX   XXXX  in  XXXX , GA. I was attending a   XXXX    regional meeting. The hotel charges were charged to, and paid by, the  XXXX   XXXX .     When I checked in,  XXXX  put a {$25.00} hold on a credit card issued by CitiBank.  XXXX  released the hold on  XXXX   XXXX .  Citi  refuses to take the hold off my card. They have told me their policy is to keep the hold on for 30 days.     I do n't owe  XXXX  any money.  XXXX  does n't claim I owe them any money.  Citi  has no valid business reason to keep the hold on. I have a credit limit. That credit limit is fully secured. Citi is at no risk, so they have no reason to maintain the hold. I would like it released.
Product: Credit reporting or other personal consumer reports

I am writing to formally address your failure to maintain fair and accurate credit reporting, as required under the Fair Credit Reporting Act ( FCRA ). According to FCRA 602, consumer reporting agencies are expected to uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past months, you continue to report inaccurate information on my credit file without providing any proof of your verification methods. This is both unacceptable and a direct violation of FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$28000.00}, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent accounts from XXXX - XXXX or accounts that need to be removed on my credit report for over years to Transunion and XXXX and nothing has been done. 

Transunion : XXXX XXXX XXXX {$230.00} - This was fraud XXXX   XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed XXXX : XXXX XXXX {$320.00} - Fraud account XXXX   {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX at Midtown {$2300.00}.
Product: Credit reporting or other personal consumer reports

I dont recognize the charge from this company and its on my credit report Ive never used these services.XXXX/VETERANS UNITED HOME and XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received two hard inquiries that I did not initiate one from XXXX XXXX XXXX  and one from XXXXXXXX XXXX XXXX. Then again on XX/XX/year> another inquiry from the same company XXXX XXXX XXXX was added to my credit report totaling 3 inquiries that I did not initiate I have not given my written or verbal consent to anyone to initiate such actions
Product: Debt collection

Dear American Express, IN RE : Credit Card Account Ending in XXXX I am contacting you all in regards to the transaction in the amount of {$14000.00} that posted to my account on XX/XX/22. 

I previously reported this transaction as fraudulent, however, American Express sent me a letter stating the transaction was determined to be valid, even though XXXX has provided me a statement stating that they never provided American Express with any evidence or data that would have shown the transaction to be valid. This transaction was the result of identity theft and I reported this transaction within 45 days of it happening, however, American Express is now saying they have no record of said complaint even though I reported this matter. And then re-reported it months later. I am hereby requesting this transaction amount immediately be removed from my American Express balance given XXXX did not provide any evidence that shows this transaction to be valid, and given I reported it within 45 days of it happening and then re-reported it months later and then just recently reported it again which can be found under CASE ID # XXXX. I furthermore would like this transaction removed from my transaction history given the fact that I just recently reported another fraudulent transaction which happened on my account on XX/XX/XXXX with the same merchant in the amount of {$500.00}. 

I believe someone is creating a fake account trying to pretend as though they are me and charge my account. That matter was reported on XX/XX/22. 

I furthermore dont understand how American Express thinks they can put this amount back on my account when XXXX has told me the seller for this transaction provided no response to the claim filed in relation to this transaction and that they did not provide any evidence showing it to be a valid transaction. 

Therefore, I hereby request American Express remove the amount of {$14000.00} from my account balance immediately while this matter is being Investigated and that American Express then permanently remove the transaction amount from my account balance given this transaction was the result of identity theft and was fraudulent. 

In the event this is not done my attorney will be filing a lawsuit against American Express for trying to make me pay and for adding an amount to my account balance that was a fraudulent transaction. 


Please send this correspondence to American Express Legal Department as well. 

To find my account please use XXXX XXXX Thanks. 


XXXX XXXX XXXX