23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

To Complaint Manager, I dispute the validity of all claims in this letter that you didnt follow. 
account under VIN XXXX  or account numbers are disputed. 
The vehicle in question Under the laws of ( insert state ] and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. 
I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand you to delete this account from my credit report immediately. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances are your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Money transfers

On Thursday, XXXX XXXX, 2015, I completed an on-line transfer of funds intended for a receiver in XXXX in the amount of XXXX. I received notification that my transaction was on hold. The reason given was that the receiver 's name was similar to someone in the system that was n't allowed to use any financial institution. It was requested that I send in identification information for the receiver along with the receiver 's relationship to me. When I explained that I did not have the receiver 's ID info ( photo of driver 's license ), the conversation changed. I was told that WU could not refund my money until they had that information. I requested at that point that the transaction be cancelled because I did not have that information nor should WU demand that " I '' get that for them. Now, after several attempts to speak with someone that could handle this situation, I still have no resolution and my money has not been refunded to my account. WU continues to demand that I send in the receiver 's information because of government regulations/investigation. I was speaking to a customer care rep that actually hung the phone up in my face as I was trying to get more information and understand why my funds could not be released. I am extremely frustrated and disappointed that WU would require me to send in someone else 's information. According to the terms and conditions for residents in XXXX, refunds should be made within 10 days. It is now Monday, XXXX XXXX, 2015, and I have no resolve to this situation. Refunding my money should not hinge on someone else 's situation. I provided WU with my information. I was made to feel that I was being investigated. I simply sent money to a person. I have nothing to do with the situation that I 've been thrust into. Every time I call WU, I am on hold for a very long time, then when someone answers I am transferred to another department and all I get is the run around. I 've received different information from everyone I 've spoken with. It is absolutely ridiculous.
Product: Debt collection

Buyer 's remorse. I ordered a phone from XXXX. When the phone arrived I could not receive a signal at my residence. I had not yet yet disconnected with XXXX which had 3 bars service where XXXX had no bars sitting side by side on my coffee table. I called customer service and tech support and after they could not help me get good service was told to return the phone. I returned the phones to them the next day as instructed. I have copies of both an email and letter from the company saying the phones were received in excellent condition and within 15 days. The law states if I 'm not satisfied with service for any reason I can return the phones. 
Since then I have received letters and called many times trying to fix what I have been told is a glitch in their system. I can not log into the XXXX side of my account. When I call them they tell me they 've fixed the problem. Then a credit agency is trying to collect so they can get money for phones they already have back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were reported as late ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX According to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive this aforesaid letter and as a direct result i would like the late payment to be updated on my credit file.
Product: Vehicle loan or lease

Chase applied my payment to the wrong account. the problem is they have not taken the 30 day late off of my credit reports yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

account. 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 USC 1681. Account name XXXX # 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 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 vears. 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
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT HAS SEVERAL ACCOUNTS THAT ARE INACCURATE, UNVERIFIED. THESE ACCOUNTS ARE A VIOLATION OF THE FCRA AND MUST BE DELETED. THEY HAVE DIFFERENT DATES OF LAST ACTIVITY AND DIFFERENT DATES AND INACCURACIES IN THE PAYMENT HISTORY FOR EACH ACCOUNT BETWEEN EQUIFAX, XXXX AND XXXX. ( XXXX XXXX XXXX XXXX  ) ( XXXX XXXX  ) ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous items which are being indicated in my report. 
Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Someone from a XXXX called at a time I was busy. Mistakenly I gave my SSN. Realizing my error I issued a credit freeze in all XXXX companies. This happened months ago. This week I received a letter from Experian stating there were changes made to credit report. I went to XXXX and my SSN variation has a wrong number. My date of birth is also wrong, and a telephone number attributed to me was also wrong. I am afraid that in spite of having my credit frozen someone is stealing my identity. Thank you -- please help
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 USC 1681. 

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. 

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: Debt collection

I noticed below collection amount in my XXXX Credit report and this amounts is not owned by me. I called the original creditor " XXXX XXXX  XXXX XXXX, XXXX '' and they confirmed they don't have record of me being in their clinic during XX/XX/XXXX. Initially this collection came up in my XXXX report and I disputed and it got resolved and now it is appearing in my XXXX. I tired disputing but now the new collection agency " Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX '' didn't remove this from my report and they said I owe. But I never been to clinic " XXXX XXXX  XXXX XXXX, XXXX '' which can be confirmed with the clinic. Below amount is appearing in my Credit Report. 

1 ) .Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$670.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$670.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 2 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health XXXX Client Name XXXX XXXX XXXX XXXX  Original Amount {$1600.00} Status Date XX/XX/XXXX Status Unpaid Date of XXXX Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$1600.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account 3 ). Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care Client Name XXXX XXXX XXXX XXXX Original Amount {$260.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$260.00} Last Payment Date Whose Account Individual Account ADDITIONAL INFORMATION : Collection Account
Product: Credit reporting or other personal consumer reports

I had an Ashley 's Store card added to my credit report which was done falsely. Synchrony Bank took me to court and failed to prove the account was mine in front of a judge so the case was dismissed ( court documents attached ). I have repeatedly asked for the account to be removed from my credit files, XXXX, XXXX and XXXX and Synchrony Bank has not completed this request. I spoke to XXXX in Fraud Investigations on XX/XX/XXXX and again two weeks later and he shared the account was already marked as closed and was marked to have it removed from my credit files back in XXXX. The investigation Synchrony did showed that it was not my account. Yet the account still remains and they refuse to remove it from my credit files.
Product: Debt collection

apparently I took out a Loan on XX/XX/2019 of the amount of XXXX the company is apparently Loan me but when I contacted them they said I never took out a loan or submitted one. the debit collecting company is named DRG and the person calling me is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under XXXX XXXX XXXX ( c ) and XXXX XXXX ( a ). I have sent XXXX, XXXX, and Transunion letters asking to validate the debt, not by simplifying accepting codes ; I request that the XXXX XXXX XXXX verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/23, and I have not received any validation letter within 30 days. I have sent proof to XXXX and XXXX showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the XXXX time. The law clearly states that XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. 
( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file by paragraph ( XXXX ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


You are now notified that you have violated XXXX XXXX XXXX, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to previous complaint # XXXX. Experian continues to report a collection account that was to be removed as a result of the CFPB previous investigation. It is still on my credit report and seems to be impossible to remove!!
Product: Money transfer, virtual currency, or money service

On the XXXX XX/XX/2020 I tried to purchase XXXX worth of a cryptocurrency called XXXX. As soon as the money came out of my account, coinbase website went down. 

It then resumed normal service but the cryptocurrency that I bought hadnt been transferred into my digital wallet. 

Coinbase then refunded me the money. The problem now is they have locked my account with a message saying we ran into a problem collecting funds for a recent purchase. Please complete this payment to restore your account. 

It has nearly been 1 month, I have raised 5 tickets with support alongside trying to contact them on XXXX and XXXX with no avail. 

There are so many people encountering this problem as I believe coinbase could be trying to purposely hold peoples money for whatever reason they deem acceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights under the 15usc1681 section 602 states I have the right to privacy ( 15usc1681. Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.Under 15uscs 1666b a creditor may not treat a Payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

THIS IS A NEW COMPLAINT BASED  ON   XXXX   XXXX   XXXX  LETTER DATED  XX/XX/XXXX  ATTACHED.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ), section 807. False or misleading representations,  ( 2  ) The false representation of  -- ( A )  the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}.  XXXX   XXXX   XXXX ,  XXXX  and the seller Creditor Capital One, who failed to provide proof of debt, as to the electronic purchase from Capital  One  to  XXXX   XXXX   XXXX .  <P/>  XXXX   XXXX   XXXX , per the attached letter dated  XX/XX/XXXX  did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XX/XX/XXXX ), section  807. False or misleading representations, ( 2 )  The false representation of -- ( A ) the character, amount, or legal status of any debt ;  XXXX   XXXX   XXXX , did not prove it paid {$2300.00} to  Capital One, a s they failed to provide proof of debt via copy of the electronic purchase from Capi tal One.   Their letter dated  XX/XX/XXXX  is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has changed all of my due dates for three credit cards to the beginning of the month. My three cards now have due dates that are the XXXX, the XXXX, and the XXXX. The previous due dates were to earlier than the XXXX  of the month. By Capital One shifting my credit card due dates to the beginning of the month I am no longer able to pay them when they are due and keep them under the limits that were set by Capital One. I have made two requests to change the due dates but they have not been addressed. My credit score has begun to suffer and it has caused a domino effect with my other credit accounts because all my payments are now at the beginning of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Equifax is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative..
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 15 USC 1681.I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX - XXXX, XXXX - XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX  XXXX XXXX - XXXX and XXXX XXXX  XXXX XXXX - XXXX.However , they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

This credit card is reporting inaccurately. 

Equifax says that the last payment was made on XX/XX/2023. I reported that this information is inaccurate and they verified it as accurate as of XX/XX/2023. 

XXXX reports date of last payment as XX/XX/2023, i reported that this information is inaccurate and they have validated it as accurate as of XX/XX/2023. 

XXXX is reporting that {$0.00} was paid on XX/XX/2023 as of XX/XX/2023. 

XXXX shows that the account was 120 pays due in XXXX of XXXX  but also shows a payment of {$220.00} on XXXX XXXX. 

Equifax shows a payment of {$220.00} being made on XX/XX/2023 and XXXX does not show a date for the month of XXXX. 

Even though there are numerous inaccuracies, all of the agencies have reproted this account being accurate when I contacted them regarding the discrepancies.