23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : 609 Request for Verification of Accounts and Information Dear XXXX , I am writing to you under Section 609 of the Fair Credit Reporting Act ( FCRA ) to formally request that you verify the accuracy and completeness of the information on my credit report related to XXXX XXXX XXXX . In a recent application for credit with XXXX XXXX XXXX, I was denied based on the inability to obtain my credit score due to a supposedly incomplete or non-existent credit file. This situation has prompted me to verify the details within my credit file. 

Please provide me with the following : 1. Verification of any and all accounts reported on my credit file, specifically any entries related to XXXX XXXX XXXX or any other creditor. 


2. The method of verification used to report this information and any documentation or contracts bearing my signature used to verify the validity of these accounts or any associated inquiries. 


3. If any information in my report is incomplete or unverifiable, I request that it be removed immediately as required by the FCRA. 



For your reference, my personal information is provided below : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Drivers License : XXXX Enclosed with this letter are copies of my driver 's license, Social Security card, and a utility bill as proof of my identity and residency. 

I expect this matter to be handled promptly and to receive a response confirming the removal or correction of any unverifiable information within the next 30 days, as provided by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX Please provide me with the following : 1. Verification of any and all accounts reported on my credit file, specifically any entries related to XXXX XXXX XXXX or any other creditor. 


2. The method of verification used to report this information and any documentation or contracts bearing my signature used to verify the validity of these accounts or any associated inquiries. 


XXXX. If any information in my report is incomplete or unverifiable, I request that it be removed immediately as required by the FCRA. 



For your reference, my personal information is provided below : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Drivers License : XXXX Enclosed with this letter are copies of my driver 's license, Social Security card, and a utility bill as proof of my identity and residency. 

I expect this matter to be handled promptly and to receive a response confirming the removal or correction of any unverifiable information within the next 30 days, as provided by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

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

I have filed several complaints. However, the only thing taken away from such is that XXXX says it's paid in full but still a charge off according to transunion investigation. However, my car was not repossessed. Nor did I sign their " collection paper ''. you can clearly see that is not my handwriting or signature in correlation to the lease. secondly, I was never afforded the opportunity to get my vehicle back ever which I tried too. I will reiterate I had a remaining balance of XXXX the car sold for over 21k. I still owe nothing to the company. Also, The leasing company was aware of the issues with the dealer and did nothing to help me or fix the issue. I will continue to complain until this is properly taken care of.
Product: Debt collection

Frequent or repeated harassment. Pen credit corporation continues to call me in an attempt to collect a debt not owed. I asked them to stop calling several times.
Product: Debt collection

This letter is regarding account # XXXX which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. - Very Respectfully, XXXX XXXX
Product: Vehicle loan or lease

In the year XX/XX/XXXXme and my mother as a ci-sugner bought a XX/XX/XXXX XXXX XXXX, the total price for the vehicle was {$23000.00} with {$1000.00} down payment and dealership fees and other fees that gave that sum. Seller was trying to sell us the vehicle and just started adding numbers and more numbers and % for lease without explaining and if he did explain, it was short and like any other seller says when trying to get some one to sign, he said ; sign here for this that and this portion for this and that not explaining well the % of interest and principal when he mentioned 8 % only and folding the papers not letting us see the total dollar amount of {$38000.00}, if we would of have seen the {$38000.00} we would of think it through and not take it, nor did the seller offer any other financing options like a new XXXX with 0 % apr, and only just showed us the total for {$24000.00}. We feel that we were taken advantage of and did not offer a good customer service as well. 
If there is something that can be done or even try getting rid of the vehicle it would be good since we are not wanting to keep paying {$510.00} per month for the rest of the contract a total of 3 and half years with balance of around {$17000.00}.
Product: Money transfer, virtual currency, or money service

This incident occurred around XXXX XXXX  ET XXXX XX/XX/2021 XXXX. I checked my balance on Coinbase, and I found out that my $ XXXX available fund became {$70.00}. Then I checked the recent transaction history, and it showed that somebody converted my investment to Bitcoin and sent it out 2 times in $ XXXX and $ XXXX. I immediately locked my account and submitted a ticket to Coinbase customer service. I scanned for viruses and found 0 viruses. I used a two-step verification for security purposes, and somebody was able to get the verification code.

The question is why did Coinbase approve 2 withdrawals worth more than {$6500.00} initiated from a different IP address that was never used, not frequently used, or the IP address had not been used for over a period of time for trading or other purposes by the account holder without verifying the account holder 's IDs and a selfie? This is serious security negligence and lack of common sense. There's something worth mentioning : the hacker was also able to sign in to my XXXX online banking account, but XXXX stopped it when the hacker tried to send the money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is my eighth CFPB Complaint requesting to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that sme Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I am submitting this complaint to notify the Credit reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. Again, I am in need for the following items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortgage premiums due to changes in my home owner ins policy ; XXXX ) the fact Fifth Third reported me and my financial status to XXXX as being effected by Hurricane IAN which is incorrect. I continue to pay my mortgage monthly and do not want this notation on my credit report. 

She may believe it is more appropriate I call Customer Service but particularly because when I do that NO ONE calls me back, or their customer service skills are so bad I literally cringe when I speak with them, and because she has also evidenced this behaviour by not calling me back herself. I put a XXXX  call into her today and I am sure I will not hear from her. Based on the overall pandemic situation, which lingers and the unrest everywhere, I am not trusting of very much. And when I ask a specfic person to CALL ME BACK XXXX TIMES I EXPECT A RESPONSE!!
Product: Credit reporting or other personal consumer reports

Accordingly, as per the fcra you were required to conduct a reasonable investigation and delete the disputed information as requested XXXX XXXX XXXX  acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX before the end of the 30 day period of the day.You received my dispute letter on XXXX XXXX thetefore are response was due XXXX XXXX. instead of sending me a response letter within a result of a instigation of the disputed information you mail me a letter daily claimant whatever verbiage Verified. 
clearly you have willfully fell to delete the disputed information requested.In lieu fully fail to conduct a reason above this concerns me as i do not understand how you arrived at this conclusion since the information is indeed incorrect. 
this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditors associated with my earlier dispute under fcra 611 ( a ) filled with on ( XXXX XXXX ) to be more specific, based on fcra 611 ( a ) ( 2 ) ( b ) you were required to forward all of the relevant information i provided by you to the creditor for their investigation of my dispute .please provide me with all the information you used for your investigation of my dispute. please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

please reply withn 15 days or delete the negative items, as originally requested. below are the items that do not belong to me that you continue to report erroneously. 
cellphone, Account # please note that i am taking this matter very seriously and demand that you follow the law, in it entirely, and send me detailed information of how you arrived at your conclusion, or else remove these items.
Product: Debt collection

LVNV Funding XXXX LVNV Funding- XXXX I was not notified about these accounts before anything was reported. I also requested proper validation and contracts with signatures Also my personal and private information keeps being sold to other debt collectors without my knowledge of it. 



To Whom It May Concern, I am writing to formally address an egregious error in your reporting practices that has directly impacted my credit and financial standing. Despite my attempts to resolve this matter amicably, your failure to accurately report or update the information regarding my credit constitutes a clear violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The inaccurate reporting of my information is unacceptable, and I demand immediate correction of this error. Under the Fair Credit Reporting Act, you are required to maintain accurate and up-to-date information about consumers ' credit histories, and you are obligated to investigate any disputes or claims of inaccuracy within a reasonable timeframe ( typically 30 days ). As of today, I have yet to see any action taken on your part to resolve this issue, nor have I been given a clear explanation for your continued failure to adhere to these legal requirements. 

Specifically, the inaccurate entry on my [ credit report/statement/other document ] is as follows : This improper reporting has caused significant harm to my credit score, resulting in unwarranted financial stress and hindering my ability to access credit at competitive rates. Your disregard for the rules set forth in the FCRA, coupled with your negligence in addressing my concerns, is not only frustrating but also unlawful.

I am requesting the following actions be taken immediately : A thorough investigation into the inaccurate reporting and its rectification at once. 
A written confirmation of the correction and an updated report sent to me. 
A full explanation of why the error occurred and the steps taken to prevent future mistakes. 
Please be aware that under Section 616 of the FCRA, I have the right to seek damages for any willful or negligent noncompliance with the reporting requirements. Additionally, I may pursue legal action against your company for the financial and reputational damage this has caused.

Should you fail to resolve this issue promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state regulatory agencies. I will also explore all available legal remedies to hold your company accountable for your improper reporting practices. 

I expect a prompt and comprehensive response within 10 business days of the date of this letter. If I do not receive a satisfactory resolution, I will take immediate action to protect my legal rights.

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

On XX/XX/22, there is an unauthorized inquiry from XXXX XXXX on my Tran Union credit report. Trans Union illegally and negligenntly simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am trying to refinance with another company and they are refusing to complete the payoff statement. They have been contacting my daily trying to get me to stay with them and I have told them multiple times that I want to use the other company and to stop contacting me unless it is critical to refinancing my house. They have been harassing me by email, text, and calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


PNC MORTGAGE XXXX Late Date XX/XX/21
Product: Student loan

Dear CFPB, My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) on XX/XX/2021 and again on XX/XX/2021 and they ; FedLoan Servicing ; have not provided a material response. They state that they are " assessing '' but will not provide me any timelines or other information. I am asking that CFPB contact FedLoan Servicing in an effort to get FedLoan Servicing to fix the ones that should have been fixed. This issue is time sensitive in that TEPSLF has limited funding and is a first come, first serve program. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX I opened a checking and savings account and also a teen account for my XXXX XXXX XXXX brother whom I have custody of, I kept receiving emails tell me to fund the account, I deposit 2 of my brother State Issued checks into his teen account one on XX/XX/XXXX and another Friday XX/XX/XXXX and I deposit XXXX XXXX XXXX dollars of my XXXX benefits at a XXXX after depositing the money at XXXX I checked my account and it says I wasnt able to withdrawal when I called the bank they said they closed my account out back in XXXX well how was I able to deposit and spend money on the account up until today, I then asked them when i could expect a check for the amount that was closed in the bank account they stated they didnt have a timeline when Ill receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!