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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows inquiries that I did not authorize!. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not authorize or give permission at no time } XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time } XXXX. { XXXX  XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXXXXXX XXXX XXXX  ) inquired on ( XX/XX/XXXX ) ( I did not give authorization or give permission at no time ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation. I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose. 
Please investigate and update these items as soon as possible. 
I am asking that these inquiries be removed and deleted from my credit file immediately. 

Thank you for your assistance. 
Sincerely, ( XXXX XXXX )
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX account no.XXXX  appeared for the 1st time on my Transunion credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.Transunion today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.Transunion via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY TRANSUNION REPORT IN LATE XX/XX/2018 AND WHY DIDN'T TRANSUNION DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.
Product: Credit reporting or other personal consumer reports

These accounts are on my credit fradulently ive sent in several notices to equifax regarding these accounts and remarks these need to be removed asap according to laws 18 usc 1028a 15 usc 1681b 15 usc 6802 these accounts should be removed asap according to these laws XXXX XXXX XXXX  {$820.00} opened XX/XX/XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX ( Accounts need to be removed ) XXXX XXXX ( closed account ) {$6000.00} opened XX/XX/XXXX Should be removed These need to be removed asap
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act CAPITAL ONE has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 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.
Product: Debt collection

I received a call asking me to tell them personally identifiable information. I asked them who they were and what they were calling about. She said she could not tell me without me giving her my address and other information. She told me she was " Office of Credit Management ''. I told her I do not have any awareness of that entity and I couldn't give her any information unless she informed me what she was talking about. She refused. I told her the conversation couldn't continue unless she told me more about what she was calling about. This loop continued a few times. She muttered something about mail and said goodbye.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I applied for a JC Penney Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that JC Penney was using information from XXXX XXXX to cancel my account. Furious I reached out to JC Penney because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by XXXX XXXX. 

JC Penney was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that JC Penney took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.
Product: Money transfer, virtual currency, or money service

In XXXX I was 'coached '' into investing in cryptocurrency via coinbase, then to coinbase wallet but THEN to a trading platform that had a website saying " safe ''. First I put in {$50000.00} and it went through without problem. Then I asked to see a smaller amout returned. ( It was then in Ethereum ). Within 3 days the return showed up in my bank account making me feel secure. I then used an IRA in a 60 day rollover ( {$740000.00} ) that WAS my retirement money and it showed very good returns in gold commodity. In 2 weeks I asked for my funds to go back to my account and they then said my request was " suspicious '' and the refused. Next the said if I would put in XXXX the amount again they would consider returning some assets. I found out by my kids that this is call XXXX XXXX XXXX '' and I am the victim of an elaborate scam. I boxed up my computer to be used in investigation. Changed all passwords, etc. The trading platform is XXXX .There is NO WAY Coinbase does not know that their " wallet '' was sending to a bogus platform. They were called and in no surprising terms told me too bad. I sent in reports to XXXX, XXXX, FBI and have written letters to everyone I can think of. ( XXXX, XXXX, XXXX ) NO agency has a real person to speak to. I NEED HELP as this was my retirement. Surely someone is able to track the XXXX XXXX (? ) and then go after to fraudsters assets I certainly am not tech savy enough to do it. Crypto is being promoted even by our XXXX government as the up and coming way of finance. I am aware of no government assistance for being robbed like this but I also don't see any consumer protection preventing this from happening. There are people that are soliciting to trace the chain for {$6000.00} up front but that is likely more scam. I am XXXX thought I had more common sense that to think crypto is a worthwhile currency. PLEASE help if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

This account is not valid and needs to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX nj XXXX ] [ XXXX Subject : Dispute of Student Loan on My Credit Report To Whom It May Concern, I am writing to formally dispute the student loan listed on my credit report under [ account number/reference number ]. I have never attended any educational institution, nor have I ever applied for or taken out a student loan. This entry on my credit report is erroneous and must be removed immediately. 

Upon reviewing my credit report, I was surprised to find this loan listed under my name. This is a mistake, as I have no affiliation with any educational loan program. I believe this may be a case of identity theft or a clerical error, and I kindly request a thorough investigation into this matter. 

To assist with your investigation, I have attached copies of the following documents : A copy of my credit report highlighting the disputed loan A copy of my government-issued ID [ Other supporting documents, if applicable, such as police reports for identity theft ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and expect a timely response. Please provide written confirmation of your findings and notify me of any actions taken to correct this error. 

If additional information is required, feel free to contact me at [ phone number ] or [ email address ]. I appreciate your prompt attention to this urgent matter. 

Thank you for your time and assistance. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EXPERIAN : XXXX XXXX BANK XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was XXXX XXXX  from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX wrongfully applied a debt to me as a result of identity theft, did nothing to correct or investigate their involvement nor the perpetrators involvement. XXXX sent this debt to collections and derogatory record was established on my credit report
Product: Credit card or prepaid card

CAPITAL ONE CRIMINALS FORCE YOU TO PAY FOR THINGS YOU DO NOT PURCHASE FOR THEIR OWN PROFIT and GAIN Their hatred to the limited customers left is CRIMINAL. 
FAILURE TO DO JOB IN PROFESSIONAL ( LEGAL ) MANNER IS CRIMINAL. 
Extortion is what they like to do because the hate YOU. 
Racketeering against people is their trade mark. 
EVER SINCE THEIR FLY-BY-NIGHT COMPUTER SYSTEM WAS HACKED THEY GO OUT OF THEIR WAY TO OVER-CHARGE THEIR CUSTOMERS, $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEEEXTORTION - RACKETEERING - CAPITAL ONERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - EXTORTION - RACKETEERING - CAPITAL ONERACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE
Product: Vehicle loan or lease

I bought a used car from Credit Acceptance back in XXXX of 2000 and I had the car for three months until they came and repossessed the car without notice. I got a letter from them telling me that they repossessed the car because no payments had been made on it which I didn't know because I never had use of the car, another person was using the car all this time. After I found this out they said I could get the car back which I tried to do several time but they never told me where the car was at so I could get it back because I had made payments on it myself. I came to find out that car was down state where I could not get it because I have no way to get it and they said that they didn't have no way to get to me. I have as of lately found out that the car still has not been sold and it is at a repossession dealer near me but I can't find out where it is. 
Since they have done this it is on my credit report which had and is making it hard for me to get a place to live so I ended up living in a homeless shelter for nine months. I need a car badly but I don't want to get it through them again. Can you please resolve this problem for me. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A collection account for a wireless phone bill was added to my credit report on XX/XX/XXXX, XXXXwithout my knowledge. That same month, I XXXX XXXX XXXX. I had no reason to check my credit report at that time and was never notified by mail, phone, or email that a new debt had been placed in my name. 

I later learned that XXXX XXXX had fraudulently opened this account under my name without my knowledge or consent. He then abandoned the bill, which eventually went to collections. I was never informed of this account by the original creditor or the collection agency, nor was I given an opportunity to dispute it at the time it was created or reported. 

I only became aware of this debt in XX/XX/XXXX, nearly XXXX years later, when my mortgage lender flagged it during a loan assumption process. This was the first time I had ever seen it on my credit report. I immediately filed disputes with all three credit bureaus. 

One bureau marked the dispute as resolved and the account closed. 

Another verified the dispute and reported the information as updated. 

The third has not responded, so I refiled the dispute and am currently waiting for confirmation. 

In XX/XX/XXXX, I spoke with a representative from the original creditor who told me the dispute was accepted and that the collection agency would be notified the debt was not mine. Despite that, the collection agency claims it is still waiting on confirmation from the original creditor and continues to report the account as " in dispute. '' I am now stuck in a loop where neither the creditor nor the collections agency will take responsibility, and my mortgage assumption can not close until I provide formal documentation that the dispute is resolved. This is a legal condition of my XXXX XXXX, and despite my proven financial history, my lender will not move forward while this account remains flagged.
Product: Debt collection

After debt was paid and satisfied through XXXX they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( AES ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX submitted to your agency on XX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on a refi on XX/XX/2020. 

My previous servicer was supposed to issue my escrow refund check within 10 business days. 

I called in on the 12th business day ( Monday - XX/XX/2020 ) and found out they had not issued the check for my escrow refund ( the amount was about {$3000.00} ). I asked them to issue the check that day, they said they would. 

I asked them to overnight the check to me because they were late issuing the check and wanted to the money timely and securely. They refused. 

One Friday ( XX/XX/2020 ) I had not received the check. I called the servicer back and asked about the check. They told me had been issued and sent on Monday. 

I told them i had not received the check as of yet and that seemed odd ( 5 business days to receive a letter ). 

I asked them to cancel and reissue the check and send it overnight mail. The servicer refused. They said I had to wait 10 business days before they could cancel and reissue, and that when they did, they would not ( absolutely refused ) to send the check overnight or with a tracking number. 

The person that gave me this information was named XXXX ( agent # XXXX ), she claimed to be a manager - i asked to speak to manager twice and was first transfer ( after 15 min ) to a non-manager ( XXXX ), and then put back on hold to speak to a manager ( 15 min later ). 

After speaking to XXXX I asked to speak to a manager and was told they were not available but that I would get a call back. 

I have not received that call.