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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

3. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit card

Chase bank had defined me a credit card through amazon. this card was automatically canceled if it was not used for 6 months. Amazon had provided us with these cards by committing in this way. I did not check my mail constantly because I had to work abroad due to the pandemic. But 6 months ago I received a notification from chase bank. 

Normally, cards that are not traded are closed in 6 months, but we did not close yours. then a continuously operated fee was reflected on this card. I called amazon and reported the issue. They asked me to contact the bank. I contacted Chase bank and they said it was a mistake and it should be closed and they closed my account. however, in the e-mail sent to me after the account was closed, it was stated that the account was closed due to fraud. They ruined my credit score and tried to cover up their own mistakes by committing fraud. Moreover, they informed me that I should call the intermediary credit rating classification companies such as XXXX XXXX, XXXX XXXX to clean it up. 
This is definitely not a case of fraud. it is a case of keeping the credit card open, which they themselves should have closed, and as a result of keeping it open, reflecting a fee by saying that the rules have changed. who could have given them the right to spoil my credit score so easily. please help me with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern at Transunion, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse JXXXX account number XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've reached out to these companies and have not received any type of feedback.
Product: Credit card

Im a victim of fraud. Chase, XXXX XXXX XXXX XXXX XXXX XXXX are all things I never opened or authorized to open this is messing up my credit when Im trying to build it
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 in my report right away : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an American Express Gold card and always pay my outstanding balance off either prior to, or on the due date. The usual due date for my statement cycle is around the XXXX of each month. I generally spend about $ XXXX $ XXXX monthly on this card. The XXXX statement due date was XXXX and on XXXX i had an outstanding unpaid balance of {$710.00} for the amount due on XXXX on XXXX i made a mobile payment through the AmEx app of {$780.00} which was the total amount used on the card outstanding through that date ( {$710.00} from the current billing cycle and the remaining amount charged in the new cycle ( due XXXX ) ). On XXXX i opened the AmEx App to verify that my AmEx balance was XXXX because i was about to spend around {$2500.00} on the card as usual. to my surprise my balance was a credit balance of {$710.00} as AmEx had processed an automatic payment from my bank account for the {$710.00} that would have been taken out had i not paid the balance off prior to the due date. I was then contacted by my bank and notified that they had returned a ACH payment to AmEx due to lack of funds. Between XXXX and XXXX AmEx had attempted to pull these funds 3 times from my bank causing me {$100.00} in NSF fees and AmEx charged me {$29.00} in return fees. I contacted AmEx to let them know that they had made a mistake and tried to pull a payment that was not due on my account. The rep did let me know that ACH automatic payments will continue to pull unless the balance is brought to XXXX 48 hours prior to the due date. and offered to see if AmEx would waive their fee for me but that they could not waive my bank fees. On XXXX I attempted to use my AmEx to make a purchase which was declined. I called AmEx and was informed that my card was " on hold '' due to the returned payment and that i would need to grant the agent access to the balance in my bank account in order to get the hold released ... even though this was an error made by AmEx. The agent then contacted my credit union and had me give the information to access the balance in my account. At this point i was told that since i had money in my bank account the hold could be released on my AmEx card. I then attempted to use the card again after the hold was released and discovered that my approved credit limit had been reduced to {$1900.00} ( about the exact same amount as the balance in my bank account when we called to verify ) It is confusing to me that an error made by American Express that would have overpaid them by over {$700.00} would cause them to punish me for making my payments on time or ahead of time. As I see it, they should return my account to the same terms and conditions prior to their error, reimburse me for the charges incurred by my bank, and discontinue the practice of demanding to know the balance in a cardholders bank account as a condition of releasing a hold on a card ... that strikes me as illegal at worst and an unnecessary privacy intrusion at best.
Product: Money transfer, virtual currency, or money service

I deposited {$450.00} into XXXX ( This is a coinbase company ) to invest in BTC and my money was withdrawn from my bank 2 days ago on XX/XX/18. XXXX was showing pending transaction. When I checked in today to see if my money arrived yet, I was surprised with an account closure notice. No reason given. and they already have the form filled out and checked off that there is XXXX balance and no pending transactions. When I called their customer service the lady told me there was no reason listed and she could only refer me to read the terms and conditions. She then said " I will be terminating this call '' and hung up on me. Wow!!! I thought Coinbase was supposed to be one of the most trusted and secure cryptocurrency companies? Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

These accounts are being published with incorrect payment information. I want them to investigate and fix it. 

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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting something on my credit that does NOT belong to me! I applied for a credit card with XXXX XXXX BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a XXXX XXXX credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with Equifax and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at Equifax by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!
Product: Money transfer, virtual currency, or money service

Order being executed without meeting the correct trigger conditions
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : 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

After reviewing my credit report recently I dated I noticed that an account named XXXX XXXX has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from XXXX XXXX. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed my current and previous address from my credit report. I contacted the representative at Equifax and was told my correct address and previous address will be added to my credit on Equifax and they have not done so even though i sent in my ID, Social security, a banking statement showing the current address. Because of this inaccurate and incomplete information my Leander for my mortgage company was not able to get my credit. 

I need the current and previous address to be shown as follows : ADD MY CURRENT ADDRESS XXXX XXXX XXXX XXXX  XXXX FL XXXX ADD MY PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was alerted of a negative item being furnished on my consumer report by Experian. I never received any correspondence from experian on any investigation before this item was furnished or I did not receive any correspondence of results of experience investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, experian has assumed this vital role which the have neglected to accurately do which is their grave responsibility. The have no followed the procedures that Congress has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. Experian has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm.

Please update this information to paid never late and respect my rights that Congress has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to updated immediately.
Product: Student loan

My loan servicer refuses to give me credit and cancel my debit. The number of credits needed for IDR loan forgiveness is 240 payments. They insist that the number of IDR credits of payment is 166 and that I owe 74 payment credits to qualify for loan forgiveness under the one-time-IDR adjustment. I sumitted proof that I was in repayment as of the year XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of XXXX tax stub showing payment that I made payment. At the time my loans were direct loans and I was in the re-payee IDR plan. They sent me an email with a letter stating that while they acknowledge that I was in repayment since XXXX they can not give me credit for those payments because I was not in a qualifying plan at the time when the payments were made and that the payments made do not qualify towards this loan forgiveness. 

I have a direct loan that was in repayment since the year XXXX and I believe that the payment should reflect payments from that year. I consolidated the loan in XXXX of XXXX to ensure that I get credit for the IDR adjustment. My loan servicer ( Aidvantage ) says that the payments do not qualify in this IDR adjustment count, but the Student Aid website states that any loan that is a direct loan and that is in repayment and consolidated before XXXX XXXX XXXX qualifys for the One-time-Loan adjustment. The loan Servicer ( Aidvantage ) states that my loan do not qualify because they were not enrolled in a qualifying plan and due to not having a plan the payments made on the account are not counted towards forgiveness. I strongly disagree. The one-time account adjustment was implemented to take care of the errors and the repayment account can go back as far as XXXX. This is what I saw on the Student Aide.Gov website.
Product: Prepaid card

I purchased a set of tires at Goodyear and selected the tires because of the advertised rebate of {$140.00}. The rebate came in the form of a prepaid VISA debit card issued by citibank. However, the card expired 6 months after it was received, and citibank says that the balance on the card has been forfeited. I called the customer service number at XXXX and was told that nothing could be done. 

There was no prominent disclosure of the fact that the entire rebate would be forfeit if the card was not used by the expiration date. That was {$140.00} in rebates that is now gone. Furthermore, the disclosure that came with the card said there would be maintenance fees after 6 months which led me to believe there would still be some balance remaining to use.