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

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$1300.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name address and telephone numbers of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau, and the attorney generals office. Should you continue in your noncompliance of federal law under the fair debt collection practices act, the fair credit reporting act, and the corresponding local state laws. I further remind you that you might be liable for your willful noncompliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : -defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 8078 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 b ) You will be required to appear in a court venue local to me in order to formally defend yourself. 
PS please be aware that depending on 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.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, XXXX XXXX, to inform them of the error. XXXX XXXX stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is XXXX not in the US. XXXX XXXX nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.
Product: Vehicle loan or lease

One they always charge me more for my payment and when I pay it they would only take a little off my loan and say I still owed more on it and charge late fees when I paid on time and when I asked them why they have me reported as missing my payments or late payments they told me that they don't deal with that it's another department that does.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of XXXX all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to Experian and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 an account without my written consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX No late payment 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Attn : Customer Relations Department XX/XX/XXXX2025 To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX XXXX XXXX account # XXXXXX/XX/XXXX XXXX account # XXXX XX/XX/XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX these accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA. 
I request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is result of SEVERAL DATA BREACHES an fraud within 4 business days of you receiving the accounts above.

1. Violation of 15 U.S.C. 1681e ( b ) : Under this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.

2. Violation of 15 U.S.C. 1681i : This section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed information.

In light of these violations, I am requesting the following actions be taken immediately : Prompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data. Confirmation of Action Taken : Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made.

Documentation : Send me a copy of the updated credit report reflecting the changes made as a result of this dispute. Failure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights. 
XXXX XXXX XXXX.
Product: Vehicle loan or lease

I traded in 2018 XXXX  to XXXX XXXX XXXX in XXXX PA before the 30 day late period for the XXXX payment was required. The dealership was negligent and failed to submit the payoff letter to Capital One in a timely manner. I contacted both Capital One and the dealership to rectify the situation and was assured from both parties that NO negative impact or derogatory marks would be filed and appear on my credit report. They did report me late, and the account balance is {$0.00}, so that simply can not be possible. You can't be late on a {$0.00} payment.
Product: Money transfer, virtual currency, or money service

Bought XXXX XXXX XXXX of {$700.00} as I was scammed by a person who said he was XXXX XXXX XXXX, and he needed the gift cards to update his personal computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I scheduled an online payment for XX/XX/2018 using Capital One 's online payment website. I received an email on XX/XX/2018 that my payment of {$7000.00} had posted. My XX/XX/XXXX and XX/XX/XXXX statements showed the payment applied to my account. 

On XX/XX/XXXX Capital One reapplied the {$7000.00} charges back onto my account with no notification. I found the problem and called Capital One several times in order to get an explanation and to seek a solution. Each time I called I was given a different reason for the charges. Twice we connected with my checking account bank to verify that I did not have the money returned. 

My XX/XX/XXXX statement includes interest in excess of {$200.00} but I never carry a balance so as to avoid interest charges. 

My checking account bank has provided me with a letter with the transaction ID of the payment and I have provided that information to Capital One as well as copies of the emails and payment history taken from Capital One 's website showing payment and confirmation number. 

On XX/XX/2018 I requested that Capital One investigate the error and I was told that they had 10 business days to reply and that the replay would be in the form of a letter.On XX/XX/2018 I called XXXX XXXX for an update and I was told that they hadn't started working on the issue and they would need an additional 10 business  days. 

Capital One 's inaction has resulted in a 59 point decrease in my credit score which before this issue was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to Experian in reference to the incomplete and inaccurate reporting on my credit of XXXX XXXX and XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini trading app and bought a digital currency trough their app. They even took the money out of my bank account. And after taking the money out of my bank account, they just desactivated my account for no reason. I emailed them several times but no answer and I cant widraw my money either. I have {$1000.00} in the account.
Product: Credit reporting or other personal consumer reports

LEXISNEXIS REINVESTIGATION REQUEST NOTICE XX/XX/2024 PLEASE PROVIDE PROOF OF INVESTIGATION. 
THE UNITED STATES BANKRUPTCY COURT DISTRICT OF MARYLAND stated that they did not provide information to any 3rd party or reporting agencies and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt. 
I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 
LEXISNEXIS is currently reporting negative information as a violation to federal laws. 
ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 
15 USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15 USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. 

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn Consumer Fraud Dept. 
RE : XXXX XXXX # XXXX  I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. To all the credit bureaus XXXX EQ XXXX as you will see in the pages attached. 
1. I have attached the pages proving the CRAs reporting, thus there can be no instant changing of the account information.

2. Also attached is the response from XXXX ( the debt buyer ) to the CFPB who provided them my ID Theft report. That report shows the account was paid in full. 

XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX funding to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes. 

611. Procedure in case of disputed accuracy ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as [ 15 U.S.C. 1681i ]
Product: Checking or savings account

On XX/XX/2024, I was informed by Chase that my bank account had been permanently closed. At the time of closure, my account had a balance of {$6600.00}. The primary activities in this account for the past month included receiving rent payments from my roommate and my internship salary. There have been no other significant activities in the account that could warrant such drastic action.

Since being notified of the closure, I have made numerous attempts to resolve this issue by contacting Chase customer service. Unfortunately, each call has resulted in a different explanation, with representatives instructing me to wait for further communication or resolution. Despite my persistence, there has been no satisfactory resolution, and my funds remain inaccessible.

As a XXXX XXXX XXXX XXXX XXXX in XXXX, this situation has placed me in a severe financial bind. I rely on these funds to cover my living expenses and rent. Without access to this money, I am facing significant hardship and uncertainty about my immediate future.
Product: Debt collection

I have been contacting the following companies for 5 years and they have refused to remove the debt. They insist that the debt was verified but has not shown proof. I have provided a police report and disclosed my full identity. My home was broken into year XXXX, where all of my personal information was stolen, and a police report was filed. My car was broken into XXXX where my purse was stolen. A police report was filed. I filed another police report in South Carolina when I discovered my personal information on the deep dark web. I have filed a police report in both the state of Georgia and South Carolina. No one has assisted me. I was advised to file a police report in every single state that I found fraud activity which I believe is unnecessary. I have been dealing with identity theft for 5 years now with no solution. I demand all information to be removed immediately. This is affecting my life, personal and business development. 

I do not know anything about the people or person who stole my identity. I also found my personal information such as address, credit score, D.O.B, and full name on a website called " XXXX XXXX' I have emails and screenshots of this information that I will also provide if requested. 

Company : XXXX XXXX : {$15000.00} XXXX XXXX  {$11000.00} TXXXX XXXX XXXXXXXX XXXX : {$2200.00} Collection Agency : XXXX XXXX XXXX XXXX : bought debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : bought debt from XXXX XXXX Georgia Police # XXXX ( XX/XX/XXXX ) Geogia Police # XXXX ( XX/XX/XXXX ) South Carolina Police # XXXX ( XX/XX/XXXX )
Product: Debt collection

Covington credit says they sent me a check to my mailbox. I never requested this check and I never received this check which they say was cashed. Evidently they just send random loan checks in the mail. I called them on several occasions to no avail. I have reported this to the credit bureaus and they just confirm that its a real credit that I took by discussing with this company. Theyre a balance of {$830.00} that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I DO NOT RECOGNIZE SUCH INFORMATION. I RECIEVED SOMETHING IN THE MAIL REGARDING A BALANCE I HAVE NEVER APPLIED FOR NOR DO I UNDERSTAND WHERE THIS DEBT CAME FROM. 

LTD FINANCIAL SERVICES IS ATTEMTPTING TO COLLECTA DEBT FROM ME ( CONSUMER ) IN WHICH I DID NOT CREATE!!! 

THIS INFORMATION IS INCORRECT!!! 

Original Creditor- XXXX XXXX XXXX  amount is {$5900.00} and is INCORRECT!!!!!!!!!! 

REFERENCE NUMBER - XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted Experian via email to notify them I could not log into my Experian account because the identity thief changed my phone number and email address associated with my account, I was advised to fax a cover letter explaining the situation along with a request to close my experian account ( and I did so on XX/XX/year> ). To date my experian account is still open with the incorrect information and I am unable to call in because I do not have access to the phone number or email, so I will not receive any verification codes they send.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX 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