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

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these measures taken to protect my credit. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to request the removal of the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Since approximately XXXX XX/XX/2021 I have received a nightly Robocall at my home phone, XXXX, from Statebridge Company asking me to contact them immediately at XXXX. I called recently and discovered that this is StateBridge Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. After waiting 40 minutes I was connected to a very unprofessional, rude representative. I explained that they were calling every night. He advised that my home phone number was listed in connection to an overdue debt. I explained that it was not me, we are debt free. He repeated that my number was given to them. He would not give me a name but the address he provided for the debt is not mine. I asked him to stop the calls, he advised me to block the calls. I have also tried emailing the company with no success. Pls help, we want the nightly calls to stop. We do not have any debt.
Product: Credit reporting or other personal consumer reports

dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. 

[ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX BANK XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX XXXX XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B
Product: Credit card

I tried to apply for an capital one prepaid advance pay car to see how much I could get approved for, when I submitted my information to process a message popped up regarding it was suspicious and fraudulent where I couldnt get approved for one
Product: Credit reporting or other personal consumer reports

I have requested VALIDATED INFORMATION PROOF OF THESE ACCOUNTS FROM CREDITOR AND CREDIT BUREAUS and have yet to receive this information according to 15 USC 1681.

As you can see below this is the " Computer Generated Reponsed claiming Accounts were " Verified '' by a " Bot '' verses being Validated by an actual Representative. 

REMOVE 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 THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. EQUIFAX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. Trade : XXXXXXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXXXXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. EQUIFAX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, CHARGE OFF AMOUNT, ACTUAL PAYMENT, ADDITIONAL INFORMATION, DATE OF XXXX DELINQUENCY, ACCOUNT HISTORY Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED
Product: Credit reporting or other personal consumer reports

This is a long on going problem with XXXX and now XXXX. Please review previous complaints filed - # XXXX and # XXXX. I have now received a letter from XXXX  that they are again collecting on this debt that was dismissed in court in my favor due to XXXX NOT providing ANY proof that this is my account and debt. On previous complaint XXXX sent a reply that this would be resolved from my credit of all three agencies! I received a letter from XXXX now trying to collect on this. Further, I received notification from credit report online that the information reported by XXXX is correct as to being my account. To this date no one has provided any documents to prove this is my account/debt! 

Further, I am now taking the position that if this not removed from all three credit reporting agencies that XXXX and XXXX are blatantly ignoring a court order rendered in my favor and are now harassing on nature. 

I am now letting them know if this is not removed in 15 days from this date, I will be filing action against them.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX for my bank of america account and i received verification via email. 
The next day I was charged a late payment fee of {$27.00}. 
I was not notified until XX/XX/XXXX that they payment did not go through. 

This was paid on time. I am not responsible for any bank errors.
Product: Payday loan, title loan, personal loan, or advance loan

I recently reviewed my credit report and noticed that my score has dropped due to late payments being reported on accounts that have been paid in full and were previously marked as charged off. This reporting is incorrect and is negatively affecting my creditworthiness. 

Creditor Name : XXXX XXXX Account Number : [ Last four digits of the account ] XXXX Reported Issue : Late payments incorrectly recorded after charge-off Last payment : XX/XX/XXXX - One missed payment being reported Creditor Name : XXXX XXXX XXXX  XXXX Account Number : [ Last four digits of the account ] XXXX Reported Issue : Late payments incorrectly recorded after charge-off Last payment : XX/XX/XXXX -Five missed payments being reported Creditor Name : XXXX XXXX : On TRANSUNION, it is displayed as XXXX Account Number : [ Last four digits of the account ] unknown Reported Issue : Late payments incorrectly recorded after charge-off Last payment : XX/XX/XXXX XXXXTwo missed payments being reported According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the information they report is accurate and complete. Since these accounts were already charged and paid in full, any late payments reported after the charge-off date should not be considered valid.
Product: Checking or savings account

I had {$3000.00} in my checking and {$20000.00} in my saving account in Citibank and they decide to close my account for no reason. I have not done an suspected fraud transactions. My money is from my employer and unemployment. I depend on this money to pay bills and use to to pay rent and other utilities. Its not fair to close one account and keep their money when they depend on it.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX afternoon, I've entered incorrect recipient personal identifiable information for a Business/organization ( as provided in the option ) for purchase of goods/services of {$490.00} because the business refused to provide their address and claimed that it is a sensitive information. The required information provided to TransferWise for sending money to the recipient was incorrect. The company did not do its due diligence in ensuring that the purchase/sale of a product/service from an organization/business ( Wise provided this selection without differentiating between sending an individual/family/friend whom you can trust and a business/organization where consumer protection is warranted ). I had input my information instead per recommendation for shipping purpose. The business refused to send the product that I have paid via TransferWise, and there was no cancellation button seen on the app. Wise was not available on the weekend as soon as I detected that the business disappeared from active communication, so when the weekend was finally over, I had called Wise to request for a cancellation to which they claimed to have successfully sent the money on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

One Bank to address the issue : Subject : Urgent Request for Correction of Payment Reporting Dear XXXX XXXX XXXX  Customer Service Team, I am writing to bring to your attention an issue regarding the delayed reporting of my payment for my XXXX XXXX Bank credit card account. My payment of {$200.00} was made on XX/XX/year> and XX/XX/year> ], but it has not been reported to the credit bureaus in a timely manner. 

As a result of this error, my credit score for TransUnion has dropped by XXXX, my XXXX by XXXX point my experian by XXXX points, which has had a significant negative impact on my financial stability and livelihood. Accurate credit reporting is critical for maintaining my financial health, and I kindly request your immediate attention to this matter. 

To assist with resolving this issue, I have attached the following documents : Proof of payment ( e.g., bank statement or payment confirmation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA My desire is to have these inquires removed from mm credit report XXXX XXXX Applied XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX ( Home shopping )
Product: Money transfer, virtual currency, or money service

Hello, I am a Coinbase account holder with no stake in Coinbase, other than, being an independent user. I buy and sell cryptocurrencies through Coinbase and on XX/XX/2020, I executed 2 trades from my XXXX XXXX. One was for XXXX XLM coins with a value of {$5800.00} on that day and the other was for XXXX XRP coins with a value of {$33000.00} on that day. I sent both of these transactions to my account addresses for each of the coins. Since I had not traded any cryptocurrencies in a while, I sent both transactions without Tag numbers. I later found out, after my transactions did not post to my account that, I needed to have added a Tag number, which is also like an apartment number so that Coinbase would know where to post the transactions. 
I reached out to Coinbase on several occasions about my 2 transactions ; they responded regarding my XLM transaction for and had me send 15 XLM coins to my account with my Tag number to verify that it came from me. I did so ; they confirmed and posted my original XLM transaction from XX/XX/2020 to my account. They gave me 2 case numbers for my issues, case # XXXX was for XLM, and case # XXXX was for my XRP. On the day they resolved my XLM issue, they closed case # XXXX and case # XXXX for my XRP which was not resolved the same way my XLM issue was resolved. 
I opened a new case for my still missing XXXX XRP coins still not posted to my account but, held at Coinbase. The new case number they issued me was case # XXXX on XX/XX/2020. I have also filed a complaint on their website and was issued a case # XXXX. I have reached out to Coinbase on several occasions through their website customer support, XXXX, and XXXX on several occasions starting on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. They have stopped all communications with me and feel that they have not posted my XRP transaction due to recent issues with XRP in the market. To date, my XRP transaction for XXXX XRP was sent to my account address but without the Tag number and has remained with Coinbase. Due to recent market conditions with XXXX, Ive been unable to trade or reduce the market loss by not being able to trade my XRP. 
I have not retained a lawyer or contacted any other agencies as of today on this matter. All I want is to have my XRP transaction posted to my account as they did with my XLM transaction. I feel that Coinbase has had my XRP case # XXXX transaction in their system and is not looking into resolving my issue for some specific reason as Ive come across other people with the same issue on social media. 
I have transaction information from my XXXX XXXX XXXX confirming sending XRP to Coinbase on XX/XX/2020 if you need them. I am available for any questions regarding my XRP issue if needed ; any help would be greatly appreciated. 

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

My information was among those affected by the Equifax data breach. As their response has been lacking, ( executives selling stock before hack was disclosed, sending wrong information as to who has been affected, and not outlining any corrective measures ) I 'm complaining because I have had to freeze my credit reports in the hope that will my credit report from being abused. 

I had to pay a {$30.00} in fees to freeze all 3 of my reports ( XXXX, Equifax, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy Here is the item I'm asking you to investigate as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX his account was charge off and sold to a collection agency XXXX XXXX XXXX XXXX XXXX the date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HOW CAN THE ACCOUNT BE VERIFIED WITH EXPERIAN, IF THE FURNISHER HAS STATED IT WAS DELETED?! EXPERIAN HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE AND NON-COMPLIANCE! I DEMAND YOU DELETE THESE INACCURATE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Experian Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/year> ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Experian Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer Experian must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ).
Product: Checking or savings account

On XX/XX/XXXX, I received a XXXX payment from XXXX XXXX XXXX in the amount of {$640.00} because my family and I were affected by a tornado ( a tree fell through our home ) and we were without power for 6 days ( lost all of our food ). I thought my XXXX  was setup with my existing bank which is XXXX XXXX XXXX however ; it ended up going to a Capital One account that was charged off with a negative balance. Reached out to Capital One recover team on XX/XX/XXXX and spoke with a supervisor by the name of XXXX employee id # XXXX stated my concern to him and advised him of the disaster that had taken place with my family and I. His exact response was " I apologize but no good news for you these funds belong to Capital One. '' So, I called back and filed a claim with the disputes department to try getting the funds released back to XXXX XXXX XXXX spoke with a young lady by the name of XXXX employee id XXXX submitted the claim and she stated it could take up to 10 days to get a final decision and that I could call in to check on the status if need be ( claim # XXXX ). I also filed a complaint with a lady by the name of XXXX employee id # XXXX to there escalation/ case manager/ case advocate team to investigate this matter and she stated it could take up to 45 days to have this matter resolved ( case # XXXX ). My family and I have no food or anything which is why XXXX XXXX XXXX was assisting us with the {$640.00}. We had to pay XXXX deductible and it left us pretty much broke. How can a company take a families money after a disaster that was all on the news and have no sympathy at all. I tried to get an email to reach the executive/ceo XXXX, but nobody had an email. I reached out to XXXX on XX/XX/XXXX as well and a customer service rep stated, " since the XXXX was done through a financial institute they are the ones that have access to reversing the deposit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection by XXXX XXXX listed on my credit report through Stuart Lipman and Associates. 
XXXX XXXX dissolved their retail department and released me as a result. 
This was not a loan, it was never a loan as it is listed. XXXX XXXX NEVER loaned me money. 

This is a NON-Reportable disclosure and violates FINRA securities rules/laws by having it listed on credit reports. 

This mark on my report is hindering me from securing loans for my children. 
COVID has been relentless in causing job insecurity and improper reporting is adding to the stress of this situation.
Product: Debt collection

I had seen a XXXX  a while back. After some time I noticed 3 collection accounts on my credit from the one practice. I called them for dates and amounts charged and to see which insurance they had charged as I switched around that time. They would not give any dates, charges specifically, or insurance coverage info. They said to ask the collection agency now. So I contacted agency, and they said to ask the original creditor. I asked again and was told no. I contacted agency again and they said to contact my insurance. After telling them 3 times the insurance agency will clearly not know what dates and charges the XXXX  says I owe, I have gotten no information. No reason for 3 accounts or owing close to {$6000.00} to a XXXX  even with insurance!??????
Product: Credit reporting or other personal consumer reports

I have XXXX bank loans that randomly showed up on my credit report. I have attached my credit reports. These accounts were opened fraudulently using my personal data. I'm highly upset as this has lowered my credit score. All I do is work and pay my bills so this should have never been added to any of my credit accounts. I wish to resolved and remove immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> 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. 

XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # 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 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