23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CAPITAL ONE AUTO FINANCE ; I DO NOT OWED THIS ACCOUNT- NOT MINE. I HAD THE TITLE AND TRADE THE VEHICLE. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f. 
2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state. 
4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments. 
Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Credit Report Inaccuracy an privacy violation Due to Data Breach Dear Sir/Madam, I am writing to formally dispute inaccuracies on my credit report that I believe have arisen as a result of a recent data breach involving my personal information. My dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy and privacy of information contained in consumer credit reports. 
Details of the Dispute : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Description of the Issue : I was informed that my personal information was compromised in a data breach at the credit reporting agencies, Transunion XXXX XXXX XXXX XXXX XXXX This breach has likely led to the erroneous reporting of information on my credit report, including but not limited to inaccuracies on my credit report also a violation of the FCRA and my rite to privacy in leaked information as my social, address, account information and more. 
Requested Action : I ask that these following accounts be remove from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate this matter and ensure that any inaccurate or fraudulent information related to this data breach is corrected or removed from my credit report. I also ask for confirmation in writing once these corrections have been made. 
Please provide me with a written response detailing the actions taken in this matter within [ reasonable timeframe, e.g., 30 days ] as stipulated by the FCRA. 
Thank you for your attention to this matter. I trust that you will act promptly to rectify any inaccuracies that have resulted from this unfortunate breach of my personal information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Delay in Unblocking Credit Report under FCRA Dear Equifax Consumer Services, I am writing to formally dispute Equifax 's delay in unblocking my credit report. I have complied with all requests and submitted the necessary documentation to verify my identity and address, as per Equifaxs instructions. I sent the requested documents on Monday, XX/XX/year>, which were confirmed received and uploaded into your system on Monday, XX/XX/year>. 

On XX/XX/year>, I was assured by XXXX ( Employee ID : XXXX ) that my credit report would be unblocked immediately. However, despite this confirmation, my report remained inaccessible. As of today, Wednesday, XX/XX/year>, I have spoken with XXXX ( Employee ID : XXXX ) from your Consumer Affairs Department, who stated that it will take an additional XXXX hours. This response is unacceptable, as I was promised resolution on XX/XX/XXXX. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must maintain fair, timely, and accurate access to consumer credit reports. The delay in restoring access to my credit file is both unwarranted and unlawful, as I have fulfilled all Equifaxs verification requests. This unresolved matter is now hindering my ability to access necessary credit, potentially impacting my financial stability and access to essential financial products. 

In light of the FCRA, I request that Equifax unblock my credit report without further delay, as I have a right to timely access to my credit information. Additionally, I request written confirmation that my credit report is accessible once the issue is resolved. 

Please also provide a direct contact within your Consumer Affairs department to ensure I receive timely updates. 

I trust that Equifax will uphold its legal obligations under the FCRA, restore my access to my credit file, and prevent further adverse effects to my financial situation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

repeated attempts to get correct information on my credit reports XXXX, XXXX  and XXXX. I have made payment on XXXX XXXX XXXX account that is associated with Eastern Account system.I have made payment and want account from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion over two months ago to correct my personal information on my credit file and i still have not received an updated report.
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 XXXX XXXX 1861. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602a. States i have the right to privacy 15 U.S.C. 1681 Section 604a section 2 : it also state a consumer reporting agency can not furnish it account with my Written instructions 15 U.S.C. 1681C ( A ) ( 5 ) Section states : No consumer reporting agency may make any of the following items of information. Any other adverse item of information, other that 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, credit repair services, or other personal consumer reports

I received a credit monitoring alert on my phone this morning letting me know that there was a collection account added to my credit report. This made my credit score go  down and I'm trying to maintain a high school. I noticed it was an account, XXXX via XXXX, which I've already filed a dispute in the past to have removed. My information is being sold to new companies who are reporting this fraudulent account on my report. This is not my account. I've already disputed this and I've already asked it to be removed and blocked from my account. This is my second time. Please remove this account and block from my credit report as it does not belong to me. Thank you. XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Hello, Consumer Financial Protection Bureau, my PayPal account can not be linked to the bank and the withdrawal balance. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX on XX/XX/XXXX has a negative account reporting from XXXX  XXXX XXXX ( XXXX ) with the original creditor XXXX XXXXXXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. EXPERIAN, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. XXXX claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of XXXX, cancellation of debt and the XXXX XXXX XXXX XXXX forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or XXXX to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.
Product: Payday loan, title loan, or personal loan

I had been told that a loan I was delinquent on would be going to collections if I didn't make a payment by XX/XX/XXXX. I could not meet the deadline, and assumed that it was too late. I had expected to hear from a debt collector at some point, never did, but yesterday XX/XX/XXXX it had been pulled from my account bringing it into the negative. 
I had been lied to about it going to collections, and I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX breached my information and so my bank accounts and credit were attacked from 2020 to present day.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased {$1400.00} worth of Bitcoin ( XXXX BTC ) using the cryptocurrency exchange CEX.10 ( Order No. XXXX ). At the time, Bitcoin 's price was {$14000.00} USD per coin. On XX/XX/XXXX, I sold my Bitcoin which had risen slightly and had {$1700.00} USD in my account. On XX/XX/XXXX, I used my {$1700.00} to purchase Bitcoin again because the price had dropped considerably ( Order No. XXXX ). On this day, Bitcoin 's price was {$3800.00} USD which gave me XXXX Bitcoin. In XX/XX/XXXX Bitcoin had risen to {$64000.00} and I decided to sell my Bitcoin which was valued at {$26000.00}. Previously, I was told by CEX.10 that my only way to withdraw my funds would be to open an off-shore bank account because sending funds to my XXXX XXXX via wire transfer was not an option at that time. By XXXX of XXXX, CEX.10 had made it possible for US citizens to sell Bitcoin and I attempted to do just that without any success. I have been trying to sell or transfer my Bitcoin to a wallet ; however, when I attempt to sell my Bitcoin, I receive the following message " We're not there yet but might be coming soon! Unfortunately, were not providing our service in your country yet. "! What? CEX.10 has as of today 's Bitcoin rate {$12000.00} of my money they refuse to return to me. I have been in contact with their CSR, and have an email from a CSR named XXXX informing that I absolutely CAN sell my Bitcoin and withdraw my USD to my XXXX XXXX account and he provides details and a link ; however, when I follow the link or log into my account through their website via my desktop, I can not find anything regarding my XXXX Bitcoin or any way to sell or withdraw my funds. I do have access to my account via their App ; however, I am not given any SELL option. I can not perform any type of withdraw of my funds or my Bitcoin. I have been very patient, but this company has clearly stolen my money. CEX.10 was registered with the SC Secretary of State 's Office as a Corporation in XXXX, but the status now shows a status of forfeited with a date of dissolution XX/XX/XXXX. I want my XXXX Bitcoin returned to me OR the value of my Bitcoin in USD which as of today is {$12000.00}. CEX.10 previously offered itself as FDIC Insured on their website and in other online communications. I am now aware this was untrue.
Product: Credit reporting or other personal consumer reports

These accounts listed on my experian file are : Experian has blocked me from disputing this information on behalf of myself. This is a violation of my right. I demand that these accounts be removed from my credit file immediately as it is causing me harm with my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX Inquires : CERTIFIED CREDIT REPORTI Inquired on XX/XX/XXXX On record until XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until Jun 2026 800 XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others currently showing and listed on my Chex Systems Consumer Report : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX. The inquiries are not my inquiries and the inquiries are all fraudulent and unauthorized.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX and XX/XX/XXXX, I received an answer of Deletion from all three credit bureaus for a XXXX XXXX XXXXXXXX Credit card that was fraudulently opened by my ex-wife that I had disputed earlier this year through the CFPB. 5 months later, XXXX XXXX XXXXXXXX has reached out XXXX and Trans Union requesting to have the item re-instated on my credit report after they have all been deleted. I even sent copies of a police report showing where my ex-wife fraudulently opened accounts in my name and used and messed up my credit after the divorce. This item needs to be deleted asap in all three reports again.
Product: Payday loan, title loan, or personal loan

Same day of delivery, I told them, immediately, the day of the delivery of their, Thursday, XX/XX/XXXX, at XXXX, that the Fridge was not working properly. -The Fridge, on the lower section is not cooing. -The light will not turn on on the bottom left portion. -The upper right view door does not work/it will not open. -The LED display did not and it still does not display the correct temperature. I called them the very next morning since it was still not cooling/working properly. I was informed to allow 24/48 hours. I did. I called again. 
Thursday Delivery, Call Friday, Allowed Saturday, Called Sunday Morning : they said they would get back to me. They never did. I called back during the weekday and I repeated my story about not working and was told to allow 24/48 hours. I said I already had, the delivery was on Thursday and that at this point i wanted to return the Fridge/exchange. SHE KNOW TELLS ME THEY ONLY DO RETURNS/EXCHANGES IN THE FIRST 24 HRS!!! I have it in writing that I notified them immediately. I was given the Service Number, they never answer.

After being on hold for over an hour multiple times, it is beyond clear they have no intention on selling a working fridge. Please know this is a new Fridge. This was to have dings and I was OK with Cosmetic. I am not OK with none cosmetic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide the response of XXXX  for your investigation on XX/XX/XXXX and XXXX, 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017. 

In view of the Equifax problem, I tried to use all the three (  XXXX, Equifax and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
Product: Credit reporting or other personal consumer reports

This loan balance was paid in full on XX/XX/year> for the remainder balance of {$570.00} through the collection company XXXX XXXX. I received a paid in full letter from XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has misreported information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an Inquiry for Citibank hit my XXXX  credit report I have not applied for anything so this inquiry is definitely fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit credit limit is {$8200.00} not {$8400.00} Please remove the High credit line of {$8400.00} from TransUnion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed with XXXX  XXXX, and XXXX on Santander Consumer USA, Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting a late payment into my credit profile. This is causing my credit to suffer preventing me from employment opportunities. I have attempted to resolve this matter with no response from the Experian reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to grant me access to my own credit file. They think they own me. I have no issues with XXXX  or XXXX XXXX, just Equifax. They have been blocking my access to my own credit file for over two years now. This is scandalous. My account is XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a payday loan from Check Into Cash over 5 years or more. I stop paying on it. Ive asked them to send me something in writing because I dont know how much I owe since its been so long. Im getting phone calls with threats about summoning me and taking legal actions against me. I think this is violating the fair debt collection act.
Product: Credit card

I HAVE A COLLECTION SHOWING UP ON MY CREDIT REPORT WHEN THIS ACCOUNT WAS PAID IN A SETTLEMENT. THEN THE PHONE WAS RETURNED BECAUSE OF NO SERVICE IN MY AREA.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I found out a billing error that violated the Law I attached the PDF file of my dispute letter that were sent to the involved Bureau My dispute letter was ignored and nothing happens so far.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request the removal of all unauthorized inquiries related to this identity theft. Please remove these erroneous addresses : 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 XXXXXXXX And erroneous name spelling : XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX XXXX