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

When I opened a business checking account, the XXXX banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from XXXX for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to XXXX 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my XXXX bank statement. I called. A second time because XXXX never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, XXXX, though my personal account, notified me that a credit check was done on me for the XXXX time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the XXXX credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or consent, as a result of identity theft and fraud. As such, I am requesting that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove fraudulent inquiries from a consumer 's credit report. As a victim of identity theft and fraud, I am entitled to have these inquiries removed from my credit report.

I have already taken steps to address the identity theft and fraud, including filing a police report and notifying the relevant financial institutions. I am now requesting that you take action to remove these fraudulent inquiries from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report by TransUnion, XXXX, and XXXX XXXX XXXX, XXXX regarding Account # [ XXXX ]. 

I have identified several inaccuracies regarding this account : 1. Discrepancy in Last Active Date : TransUnion reports the last active date as XX/XX/XXXX. 
XXXX reports the last active date as XX/XX/XXXX. 
This discrepancy raises concerns about the accuracy and validity of the reported information. 

2. Discrepancy in Dates Opened : TransUnion reports the date opened as XX/XX/XXXX. 
XXXX reports the date opened as XX/XX/XXXX. 
These discrepancies further cast doubt on the accuracy of the reported account information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Based on the discrepancies outlined above and my rights under the FCRA, I request that the account # [ XXXX ] be thoroughly investigated and removed from my consumer reports. 

Please conducte a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

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

my students loans total balance : close to XXXX ... and now it has increased to XXXX my student loan but i graduated in XX/XX/2007 and there is no way my loans can jump from XXXX to XXXX this is impossible i was told that my student loans would be consolidated into one my lenders were XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Ive been receiving invalid debt collections letters and reports of the invalidation from XXXX, XXXX and Experian for the deft from XXXX XXXX XXXX opened XX/XX/year> in the amount of {$2300.00}. I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX  Account : 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 has violated my rights ; 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about :
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX. I'm the one who made currenty correction. If the twe countrys. I could name them an tell long it took me to do.date tI 'm everything. I even got prove. An my two old cell phones got stolen. That's how an also my mail. No court date came in. My emails got hack also XXXX XXXX. I need my life back I feel like this money could leave to my family being hurt. I need to do this fast please. An get out of town before bad thing happen.are happen. An I know Google an XXXX are in on it. Sorry do late better late then never.
Product: Credit card or prepaid card

XX/XX/2023 Milestone Credit Card company closed my accounts without gaining a verbal consent from me and refuses to reopen my account and is holding my available credit. 

Employee name XXXX XXXX ID : XXXX
Product: Money transfer, virtual currency, or money service

At XX/XX/2021, there is an unauthorized withdraw ( {$660.00} ) from my checking account. after i called the bank 20 times they could not give me a proper answer. there isn't another way to contact them and my account being locked by this bank without notification.
Product: Debt collection

My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified XXXX XX/XX/XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from XXXX. I called XXXX and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from Estate information Services. I informed them there is no estate. They said ok that was it. In XXXX XXXX I received calls and letters again from Estate information Services. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from Estate information service wanting me to settle on the account. I attempted to contact Estate information Service during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.
Product: Credit card or prepaid card

This is not a duplicate complaint and has been submitted by me, the consumer. please see attached identification for verification purposes. 
On or about XX/XX/2023, XXXX XXXX noticed a suspicious and deceptive item listed on 3 consumer reports ( see attached reports ). XXXX XXXX mailed CAPITAL ONE a letter exercising rights to opt out of having information shared with third parties ( see attached Notice of Opt out ). CAPITAL ONE received this Notice on XX/XX/2023, ( see attached confirmation ). CAPITAL ONE has failed to respond to XXXX XXXX Notice of Opt-Out. Effective on the date of delivery, CAPITAL ONE shall no longer share any of the following ( ( as established by the PRIVACY RULE ( see attached ) ) pertaining to XXXX XXXX : 1. Name, Address, Income, Social Security number, or other information on an application bearing XXXX XXXX as a party. 2. Any information you received about XXXX XXXX from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that XXXX XXXX is your consumer or customer, current account status, account numbers, payment history, balances, and credit card purchases ). 3. Any information you received about XXXX XXXX in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry to credit report not recognized
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; XXXX and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

In XX/XX/2019 we submitted a request for loan modification with all required documents to PHHXXXX XXXX Mortgage Services. After 90 days we received a decline letter that advised we were not 2 months behind on payments. During this period of time we were forced to file for bankruptcy protection, exempting our house. This was discharged on XX/XX/2019. We choose this direction to make sure we at least had a roof over our head. While our current loan amount is {$240000.00}. In XXXX we received a copy of an appraisal that the lender had done from our modification request that stated the property had a value of {$200000.00}. This looked like we were nearly {$45000.00}. upside down on the loan and yet they declined us. Additionally I contacted the lender to question this and then request a VA rate reduction to lessen the payment, our current rate is 5 % fixed, they advised me to contact the VA??? Not sure what they were thinking. The customer service level of this company has been terrible, you can not contact the designated person they indicate in their letters. We continue to stay current with this lender, but it has taken it's toll on our ability to pay for prescriptions, health insurance and food. Any help you can provide is appreciated. All documents are available.
Product: Money transfer, virtual currency, or money service

I used to Xoom to transfer money from my XXXX XXXXXXXX account to my XXXX XXXX account on XX/XX/XXXX XXXX GMT - In XXXX minutes time it will be the XXXX XXXX and I have still not received my funds ( XXXX GBP ) it says " on track '' and still being transfered to " our partner '' - My transaction ID is XXXX - What makes this even worse is after doing research everyone is having the same problem using XXXX and this was happening before I even signed up! Yet they still took my payment and did not make anyone aware of problems until yesterday ( systems were being upgraded ) This is totally unacceptable and my transfer should never have been accepted during a period when no transfers are being completed. 4 Days is a ridiculous timeframe to wait for an " instant transfer '' Please sort this out ASAP.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to bring to your immediate attention a serious matter that has recently impacted my life. 

Regrettably, I have become the victim of identity theft, wherein several accounts have been opened in my name without my authorization. This act of fraudulent activity has not only caused immense XXXX and XXXX but has also resulted in significant financial losses on my part. 

I appeal to your esteemed institution to take swift and decisive action to investigate this matter further and to assist me in rectifying the damage caused by this despicable crime. I have already taken the necessary steps to report this incident to the relevant authorities, and I trust that your cooperation will help in resolving this issue promptly. 

I have attached relevant documentation, including copies of the fraudulent accounts and any supporting evidence that may aid in your investigation. Your prompt attention to this matter is greatly appreciated, as I am in urgent need of your assistance to halt any further unauthorized activities in my name. my financial security and peace of mind. 

Thank you for your attention to this matter. I look forward to your timely response
Product: Money transfer, virtual currency, or money service

Wired {$15000.00} to  Coinbase  on  XXXX / XXXX /   2017  for use on their  XXXX  digital currency exchange. Wire transfer was processed next day from my bank checking account, details show in my account. I had previously transferred {$5000.00} to Coinbase from the same account with no issues.     Funds were transferred to : Recipient Na me Coinbase, Inc  Recipient Address  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   XXXX , CA  XXXX  Bank  Name    XXXX   XXXX   XXXX   Bank  Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  Routing/ABA Number  XXXX  Account Number  XXXX  ( additional identifier for my consumer account was added in the 'instructions ' field ) Coinbase states on their website : " Bank wire transfers may be credited to your   XXXX   account on the same day if submitted by  XXXX  PT. Otherwise, funds will be available after  one  business day. '' As of  XXXX , funds from this wire transfer are not available in my account.     I have attempted to contact  Coinbase  customer support through their online support system, by email and  XXXX  direct message since  XXXX . No other channels for contact are available. Company has not responded or provided any information on the missing funds . Case ID  in company 's helpdesk system is  XXXX .
Product: Credit reporting or other personal consumer reports

I requested a credit line increase from XXXX XXXX and received a denial letter stating there was legal action pending against me. I a reviewed my Consumer Reports and there is no legal action pending by any credit agency. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never had any legal action pending against me on ( XXXX XXXX : acct number XXXX. Please investigate and provide Proof there is legal action pending. It proof can't be provided I demand my credit is updated and the legal action be removed from my reports.
Product: Credit reporting or other personal consumer reports

i Disputed an collection account on my report with inaccuracies then experian, XXXX and XXXX  verified the account so i sent another letter asking for the method of verification which i never got and im getting denied for credit and housing opportunities because of this my rights have been violated due to section 15 usc 1681i ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Consumer Loan

I took out a couple of loans for medical/health concerns with CARECREDIT / SYNCHRONY BANK ( XXXX ) in XXXX and have been paying steadily for XXXX year. The loan decreased from over {$8000.00} to over {$6000.00}. I focused on paying this debt down in XXXX and so let other pressing medical needs slide. In XX/XX/XXXX, I nearly fell over when I saw that CARECREDIT / SYNCHRONY BANK had charged me nearly {$2000.00} in interest charges - charges that exceeded the amount of my initial loan, even though I was paying each and every month and had not taken out any additional loans! This should be considered criminal usury in every state, district and commmonwealth in the United States. How can any Attorney General allow any bank to charge interest that puts the person back into a position where it seems that they never even paid one cent for over one year, much less here where the bank puts the person in an even worse position by charging so much interest that it exceeds the initial loan amount?? Such predatory tactics should never go unchallenged! I was actually thankful that I had this as a resource until I realized CARECREDIT / SYNCHRONY BANK put various mafias to shame with their usurious rates!
Product: Credit reporting or other personal consumer reports

I have contacted these companies and done numerous Disputes with all 3 bureau 's and sometimes the Dispute results come same day and next day there is no way they are still reporting after Ive asked for cease and desist of all communication especially reporting on my credit report and the bureau 's are allowing it. According to fcra code 15 usc 1692 ( c ) these debts should not be reporting on my credit file for any bureau. The files 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
Product: Credit card or prepaid card

Paid balance in full, before the due date and are charged {$2.00} as " previous balance '' on the next statement.
Product: Debt collection

I mailed a request for validation to Asset Acceptance , LLC on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after after receiving my letter and is dated XXXX/XXXX/15 ; in this letter they identify the original creditor as XXXX XXXX. This company provides healthcare financing and this alleged debt is not identified in my credit reports as medical debt. Not only has Asset failed to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My XXXX request for validation was mailed to Asset on XXXX the return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to Asset. Asset has not responded to my second request and has not properly validated this alleged debt. Asset Acceptance , LLC is Asset Acceptance Capital Corp 's main revenue generating subsidiary ( XXXX ). By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of Encore Capital Group , XXXX, et al dated XXXX/XXXX/15, Asset was identified as having violated Sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ; Sections 8o5 ( a ) ( 1 ), 8o6, 806 ( 5 ), 807, 807 ( 2 ) ( A ), 807 ( 5 ), 807 ( 8 ), and 807 ( 10 ) of the Fair DebtCollection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692c ( a ) ( 1 ), 1692d, 1692d ( 5 ), 1692e, 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692e ( 8 ), and 1692e ( 10 ) ; Sections 623 ( a ) ( 8 ) ( E ) and 623 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and 1681s-2 ( b ). Under sections 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565. In this matter, it was found that Asset had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. Asset has not provided me with any of the requested validation information or their method of calculating that I allegedy owe {$19000.00}, which is {$8100.00} in excess of the alleged {$11000.00} ( approximate ) original balance. I believe that Asset has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. This alleged debt is time-barred and Asset has not conducted a reasonable investigation of my dispute, despite multiple requests.