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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


XXXX STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Accounts that should be removed : Bankruptcy case # XXXX Bankruptcy case # XXXX To whom it may concern, Since you have not given me the names of persons with their addresses that you contacted for verification of the information, so that could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy XXXX XXXX requested by the Fair Credit Reporting Act ( FCRA ) According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2. Comply with the rein investigation requirements as required by 15U.S.C. 1681 ; 3. Should not provide consumer credit file to companies without determining that there companies has a permissible purpose to obtain consumer credit files pursuant to 15 U.S.C. 168b ; 4. Provide consumer credit files pursuant to 15 U.S.C 1681g ; 5. Et seq Through this letter, I am re-submitting my request to make the reinvestigation and verification process faster. I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer disclosure report. I would also like to know about the procedure adopted to verify this claim, business name address, and phone numbers of those who have been contacted for the reinvestigation process, this is my legal right, according to the FCRA. Thus, I request you to comply with the laws and furnish me with the information I have asked for within a period of thirty ( 30 ) days. 
For your convenience, I am sending you a list of the items you need to reinvestigate. These listed accounts are neither my debts nor my authorized inquires. Please correct this by the removal of these items from my credit report. 
Upon Completion of you reinvestigation, please send a detail description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the contact information of the agent conducting the said reinvestigation in case future communications is necessary. 
I know that your company will need some sort of verification to prove my identity. My information shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in this matter.

Sincerely XXXX XXXX XXXX CC : FCRA
Product: Money transfer, virtual currency, or money service

I deposited USD into a Binance.US account & purchased various crypto currencies. Now Binance will not allow me to sell any currencies or transfer any money out of the account in USD or any other currency. It will not give me access to my funds in any way nor respond to any of my inquiries about the problem. It appears they're doing the same to countless other customers. The attached files show the messages I get for every currency in my account.
Product: Credit reporting or other personal consumer reports

Late Payment for XXXX XXXX XXXX  Account number XXXX was as an direct result of XXXX. I asked for the company to remove the late payments and to mark the accounts as Paid As Agreed. It is not fair that I or anyone would have to wait over 7 years to have late payment removed especially when the late payments was as a result of an disaster. My financial obligations to this account is up to date and should reflect that all payments was received. However, that is not the case and I am respectfully requesting that the accounts be marked as Paid As Agreed.
Product: Money transfer, virtual currency, or money service

Money was just tooking out my account and they was not trying to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an XXXX XXXX  XXXX Opened XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that conta My identifying information is as follows : Lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, drivers license, an If you are unable to verify the account with the original contract, the information should be removed from my c Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX XXXX XXXX XXXX XXXX Experian has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXXXXXX XXXX XXXX and I have the same understanding regarding the late payment reported on the account. However, there needed to be a better understanding of the payoff date. A late payment was reported in XX/XX/year>. This loan was initially a XXXX loan but was extended to XXXX months due to a skip-a-pay feature. This caused the payment to be reported as late a month before the balance was paid in full.
Product: Debt collection

Debt was paid by ex- spouse years ago. Time has passed and he has no receipts for this acct. It was his own personal acct and I was never on it. I have No Wet Signature on this acct. I believe he paid over {$4500.00} and paid it off in full around XXXX.
Product: Debt collection

I was originally sued for a $ XXXX bill. They debuted my account over {$4000.00} and left me with a negative balance of over {$3000.00}.
Product: Credit reporting or other personal consumer reports

I want to do delete all names and addresses from XXXX, transUnion and XXXX  off my credit report they are misspelled and wrong. I would like them to be removed immediately thanks. The only personal information is correct is XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

JPMorgan Chase Bank froze my account without my knowledge on XX/XX/year>. I was scheduled to have XXXX XXXX XXXX done on yesterday, but was unable to do so since my money is frozen in this account. When I called today to get answers as to why, when, and who, I was only told that my account is under investigation. I need my money to take care of my child, pay my bills, and live my life. I am a single mother whos XXXX. I do not have a source of income. The funds that are in that account are all that I have to take care of myself. I never received a warning, and Chase refuses to give me any explanation as to why my account is frozen. I have called on the phone several times and when into the Chase Bank here in XXXXXXXX XXXX on XXXX and spoke to the manager on duty there. Not ever she was given any information as to why the freeze was place on my account. I attempted to hire an attorney to help me today, but since I have no access to my own money, I can not pay an attorney to take my case involving Chase Bank.
Product: Debt collection

1st thing I should say is I am XXXX and on social security XXXX because I XXXX XXXX XXXX. 
This is concerning a non secured personal loan. from a bit over 9 years ago. 
In XX/XX/XXXX I was served with papers to go to court over this and the officer said and showed me on the papers if I did not show up they would arrest me and hole me till my next court date. He said the judge had the ability to do that if someone does not show up and they ask her to. 
I went and never saw the judge because the atty, took me to a room and tried to tell me I had to swear on a bible to tell the truth and so forth just like I was in front of the judge, I confronted him about this and he shut up and tried to railroad me into signing papers saying I would pay the debt. I told him I could not afford to pay my living expenses at the time and that I was XXXX and could not pay. He kept trying to railroad me by asking what amount i was going to pay each month like I had no choice. I rather rudely at that time told him to stick his papers where the sun does not shine and I was not signing a dang  thing. AT that point he thanked me for showing up and told me I could leave. 
On `XX/XX/XXXX, I got a letters from the original company at a minimum of 8 times since then I just ignored them. Today I got one with an stamped return envelope and a letter asking how much I was going to pay. There was another asking me to call the manager. I did and I told him the same thing I told the attorney in court and he gave me a line about how I could sleep at night, from there things got heated and at one point he dared me to come down there when he got off work or even now and he could clock out and we could take it up personally. He then made a veiled threat that he had my address and what he did off company time was his business and hung up on me. 
I admit I did call him back and used a few words I will not type here. At that point he told me he was going to call the cops on me for harassing him. 

That is all that has happened so far.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXX #XX/XX/XXXXXXXX XXXX$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was a victim of identity theft and someone opened an account with The XXXX XXXX for {$1000.00} and with all the late fees it grew to {$1900.00}. I have sent XXXX disputes to all XXXX credit bureaus, but so far they have refused to remove the account. 
The account has been sold to a company called XXXX XXXX XXXX or XXXX and that is who is falsely reporting on my social security number.
Product: Payday loan, title loan, or personal loan

I made a payment of {$73000.00} to Citizens to pay off my loan via electronic transfer from my bank. I also made a {$50000.00} payment on the same day. The {$50000.00} payment was immediately credited to my account. After 8 days, they have still not credited the {$73000.00} payment to my loan. I have called multiple times over the past week and after hours on hold I've been hung up on multiple times. A customer service representative told me there is no department to handle these issues. Another told me that there is a department, but they don't have a phone number or email. One told me to call back in a few days, another told me that I should contact the institution where the money was sent from which I did. The sending bank confirmed that the electronic payment was sent. Citizensbank is understaffed to the point where they can not serve their customers or research issues.
Product: Debt collection

The company involved conversent is a debt collection agency when you tell them you have the wrong person No Debt Collector is wanting me I pay my bills.Thats when they get mad call me on my cell phone all day and landline they will not stop I wish to file harassment charges against them. XXXX one of there main phones they also use XXXX XXXX XXXX here is just a few more # s they use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I did a XXXX search for Chime customer service. I had clicked on what I thought was a legitimate chime bank site. When I called the number that was given on the website, a man posing as a Chime customer service rep, answered the phone. I wanted to be able to add more funds to my account through cash deposit. He told me in order to do that, I would have to send my money, and that they would send it back once my account was verified. well needless to say I never received my money back which was a total amount of {$1000.00}. I I filed a claim with my bank two times and both times I was denied the money back.. as of today the number I called is still in service and somebody posing as a chime. Customer service rep is still answering the phone. The number is XXXX. This number needs to be investigated because it is a legit scam phone number.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 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 consumer 's 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX PA Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX and XXXX all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill for account TOYOTA MOTOR LEASING ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/25, I disputed a derogatory mark from Central Portfolio control on XXXX. I see that they have marked this account as open 8 months ago, this is not correct. The account they are referencing was opened years ago. I asked for them to remove the fraudulent information and they have refused.
Product: Debt collection

XXXX XXXX XXXX is collecting on a debt that has been paid. HSBC sold accounts to Capital one., I have number of accounts showing up under HSBC/Capital One. These are accounts for as early as 2002.
Product: Bank account or service

I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, and XXXX XXXX.
Product: Debt collection

I checked my credit report on XXXX  for the first time in years cause they couldn't prove it was me until I sent copies of identity cards SSI card, pay check stubs and I didn't have any time to get it done, well theres a debit collection agency that has been calling me all these years about medical bills and if I don't pay by the date i would end up in court and paying like a crazy amount for court cost and lawyers fees and double the amount, well I wasn't even able to get to any doctors or hospitals for treatment cause around those dayes i was XXXX, and they won't stop updated it on my credit report, and other things are going on to like unknown companies are running credit inquires for credit and it was not me, i do have the proof that I was a victim of identity theft and I was incarcerated at that time to, I didn't know til I was released an got back into my email account and it was to late to show the court the pain and suffering i went through to try to get credit, that was done and now these medical bills are popping up on on my credit report bull city Financial Solutions XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX - XXXX  Account Number : XXXX