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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Account Number XXXX Request for Debt Validation Pursuant to 15 U.S. Code 1692c ; 15 U.S. Code1692g & 15 U.S. Code 1681 e ( b ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation lo pay you. If the debt can not be validated as requested by law, you are required, by law via 15 U.S. CODE 1635 & 15 U.S. Code 1692g to delete/remove this " Charge off '' from my credit file. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962c ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Your illegal and inaccurate reporting has prevented me from securing an apartment rental, new car loan and increases in my current credit card - All of which I have written declinations for service due to your illegal and inaccurate reporting of my credit file. 

You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Nole : This notice Is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for Information only and is not a statement, election, or waiver of status. 

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

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for credit purposes. 

My credit report on XXXX XXXX and XXXX are showing that I owe {$510000.00} in XXXX loans. However, My loans have been forgiven and I received a letter informing me of my loan forgiveness back in XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX, my discovery revealed XXXX, XXXX XXXX, Equifax, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of 2022, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Product: Credit card or prepaid card

Capital One Bank - Consumer Financial Protection Bureau ID # XXXX Re : Accounts : Ending-XXXX | Ending-XXXX Complaint : I believe Capital One Bank has violated my rights under the Fair Credit Reporting Act. I also believe that I have overpaid any balances due because I secured each account with an initial secured payment that shouldve been used to offset my first late payment. 

History : Both accounts are secured accounts that I opened with an upfront payment known as a security deposit. Each account was closed by Capital One Bank at 60 days, and 90 days past due on XX/XX/XXXX. My last payment on each account was in XX/XX/XXXX. Prior to the time of account closing, I was having difficulties due to my military service-connected XXXX and was late on payments. I discussed this XXXX issue with the Capital One customer service department each month from XX/XX/XXXX to XX/XX/XXXX. During this time period Capital One did not disclose any options regarding the use of my security deposit to make my payments. 

I contacted Capital One in XX/XX/XXXX with the goal of resuming payments, and a hope that my payments would be reported to the credit bureau. I was informed by a representative of Capital One Bank that once the account is closed I can not make payments for credit improvement, nor can there be any additional monthly delinquencies reported on a closed account. 

After closing the accounts on XX/XX/XXXX showing the lates at 60-90 days, Capital One then reported the accounts 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX into XX/XX/XXXX. In addition, Capital One reported these accounts on a monthly basis after the date closed showing updated increased balance changes. 

In XX/XX/XXXX, I paid both of these accounts in full ( proof of payments attached ). According to the Department of Veterans Affairs, I am rated as XXXX XXXX XXXX  and XXXX XXXX effective XX/XX/XXXX ( rating document attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian,   XXXX   and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   XXXX   XXXX  . I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX     report for comparison. I have highlighted the information that is incorrect.
Product: Money transfer, virtual currency, or money service

My grandma lent my sister money through a local store that does money transfers to help her. I also gave her money from my savings even though I was jobless, because my grandma told me that she pays back. Well she did pay back after a month, through venmo in different payments, different days. XXXX transaction was XXXX dollars, describing " XXXX for grandma and XXXX for you '' in XXXX. Other payment was XXXX saying " for grandma ''. 

After a few months she made XXXX disputes claiming that money or something in venmo. Lying about the whole thing and I told her to remove those many times many days. But all she said was that it wasn't her and that she was going to call venmo. Weeks and weeks passed and she never removed them. 

During that time I was talking to venmo through email and called them many times because this is not fair and doesn't make any sense. How do they charge me and give her money back with no proof or consulting both sides?? 

They cancelled my account and it is not fair, I was just helping her but she is not ok in the mind. She is a XXXX  person because of an XXXX XXXX she has. Please help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # 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 card or prepaid card

Barclays and Bank of Hawaii have sent me a letter and advertise on their website that I can apply for Covid related payment deferrals, but when I go though their process ( only way is a link through my account ), it will not allow me to submit or process the request. I have been trying to use this link several times since fall but it will not work. When I call Barclays customer service they just say, " sorry you are having trouble, there is no other way ''. Bank of Hawaii customer service tells me I have to call Barclays.

Thank you for your time. 

XXXX
Product: Checking or savings account

I sent my car payment through Chase using XXXX. I tried to talk to the bank and trying talking to consumer where my car payment was supposed to go through and they never received it. I didnt know about it until a year later. Ive tried to contact both companies and all I got was nobody knew anything. I got the run around to where it ended up taking my car. I even tried calling consumer portal to talk to them to try to fix so I wouldnt lose my car and I couldnt fix it because they already took my money and nobody knew where the money went. Ive also use XXXX a lot of times and Ive had a lot of problems. Sometimes money would be missing auto correct account Ive tried going to Chase to fix it and they will tell me it is too late. The moneys already been taken out.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit XXXX XXXX saw some hard inquiries that did not have permissible purpose.I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.I want to remove those on my credit report.
Product: Vehicle loan or lease

I paid my lease in full on XX/XX/18 and submitted the odometer statement on the same date. Hyundai representatives told me that if I paid online, I would have the title in five days. 

I called them on XX/XX/18 ( 8 days ) to check the status of the title. They made a number of excuses about the delay, including that it took 10 days to process, and that they had an issue with the odometer statement. The 10 day period contradicted what they had told me before, and they were unable to explain what the issue was with the odometer statement that I had sent 8 days prior. 

I called again on XX/XX/18 ( 14 days ) to check on the status again. Now they told me that the title had just been mailed, well after even their second promised deadline. Again they blamed the delay on the odometer statement, despite the fact that I had provided them the statement to them 14 days prior.
Product: Mortgage

I've sent my Payment Coupon, a form of legal tender that should have been credited to my mortgage account. I have not received anything in writing about why my payment has not been credited even though I've requested it many times. The mortgage holding company and the past mortgage company continue calling me telling me a coupon is not a coupon or a form of payment. I've attached definitions and some laws to back my case. If you don't provide logical and legal answers, meaning no opinions, the alleged debt is to be discharged immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus to updated my information and to remove incorrect information as well as inquires that were not authorized by me. 

The first attempt was on XX/XX/23 when I sent letters out to all bureaus with my drivers license showing my correct address which I have been at for several years and a copy of my utility bill with the same address. I received a letter stating that I would need to call in or dispute online and I was accused of using a third party. If I were to use a third party, that is my right but that was not the case in this situation. 

On XX/XX/23, I sent out another letter in response to the accusation of me using a third party and again asked for the incorrect information to be deleted. Once again my request was ignored and I received an email notification from XXXX via email, again telling me to dispute online which will take away my consumer rights, and Transunion has also sent me a letter stating the same. Unfortunately, XXXX has not responded to any of my request to remove these incorrect items from my report. 

The only third party I used was an online mailing company for mailing out my letters.
Product: Student loan

I started on IBR 3 or so years ago with a payment of XXXX a month. Once on that I was all good and on time. I kept that payment for about two years. After that even though my income has NOT doubled they doubled my payment. I have struggled at XXXX a month. I have asked for help on the phone and nothing. This last time when I submitted for renewal of my IBR I sent written request to please not increase it my income had not changed and they raised it to XXXX. I am a single mom. I can not afford that payment. I dont like being late but they dont want to help and have said they wont or cant. I get maybe a 3 percent raise a year and I dont see how raising my payment so much even reflects my ability to pay. Please help me. I dont want to default and I am making payments but still losing ground because they wont help. I know they have been in trouble as have the college I went to. I was never told how much this would impact me or how devestafing it would be. I guess I made a big mistake going to collage.
Product: Money transfer, virtual currency, or money service

Coinbase pro listed a coin whit the wrong price, then after i bought it the change the price and my money was gone total amount lost {$5000.00}.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Credit card

After sending an initial complaint about Indigo closing my account and reporting on my credit report, I received a reply from Concora Credit stating that I was the one that closed my account when in Fact, they closed my account due to the fact that I didnt activate my new card.
Product: Credit reporting

I have disputed this item several times with all XXXX credit bureaus and they have not updated information. I would like this deleted from my credit report.
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, Cash App transferred funds that I never approved. These messages were taken from their app : Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : Please verify your identify by visiting Cash Support using your Cash App Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : XXXX XXXX just accepted the {$350.00} payment you sent today I never verified my identity with Cash App. And I did not approve either request for {$350.00}. Beyond that, XXXX XXXX is not a real person, that is an alias for a person running a scam to sell puppies. So, XXXX XXXX should not have been able to validate in their system. Unless Cash App has people within their company aiding and abetting illicit activities. Cash App provided documentation to my debit card company that the transfer of cash was from me to me. That literally makes no sense.
Product: Student loan

On XX/XX/23 I sent a test payment of XXXX to last XXXX  address in bank account since XXXX. It went through so I sent the remainder {$300.00}. It went through. Unfortunately in NEVER showed up with Mohela. I corrected the address, tried calling the number for XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. I have spoken with Mohela multiple times. I contacted my bank who said they could not refund since it was processed. Mohela was supposed to be tracked down the money & have it redirected to them. They haven't. Last call they said it was my responsibility. All records show this used to be XXXX XXXX. I have no idea where the money is. {$310.00} paid in XXXX & never returned or refunded, or forwarded to correct company. I have always paid my bills on time. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to Transunion as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and XXXX XXXX reported this to the bureau. Since that time the accounts have been removed 4 different times after XXXX continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX   reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX reports * reinserts all three accounts back on my report.

( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material.

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time XXXX XXXX reports & reinserts these accounts on my Transunion credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, Equifax, XXXX, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.