23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Complaint against XXXX XXXX XXXXXXXX. Claim number XXXX and XXXX Against XXXX XXXXXXXX XXXX Customer Advocate XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX This is his email. 

Against NJ banking and Insurance XXXX XXXX XXXX DOBI ) on XX/XX/XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Her email is XXXX XXXX Coinbase support case number XXXX on XX/XX/XXXX. XXXX from Coinbase Customer complaint officer ( XXXX ) have responded back to me that he also got a complain letter from NJ Banking and insurance and will resolve the issues directly with DOBI and he closed a case on me. 


Dear Sir or Madam : I am a victim of fraud from Coinbase wherein my money was taken by Coinbase through a wire transfer from XXXX XXXX XXXX. Money was sent from my XXXX XXXX  XXXX personal checking account. 

On XX/XX/XXXX for {$55000.00} On XX/XX/XXXX for {$25000.00} On XX/XX/XXXX for {$50000.00} Total of {$130000.00} I initially filed a fraud complaint against XXXX XXXXXXXX XXXX with the New Jersey Department of Banking and Insurance. Upon investigation by the NJ Division, it was proven by XXXX XXXX XXXX that MY MONEY WAS TRANSFERRED BY WIRE TO COINBASE. I also have proof to show that Coinbase has received the funds. 
However, I have requested Coinbase to return my funds and Coinbase is fraudulently holding my monies and is refusing to return the amount of {$130000.00} deposited by a wire transfer. The funds were wired : My account is with XXXX XXXX XXXXXXXX. From XXXX XXXX XXXXXXXX, I transferred the funds to XXXX XXXXXXXX XXXX which holds the funds for Coinbase. In sum, I am a victim of fraud either from XXXX XXXX XXXX or Coinbase or the XXXX XXXXXXXX XXXX ; they are playing the blame game with me and I am getting nowhere. I respectfully urge a full investigation of the fraud which is being perpetrated upon me in this matter. I can be reached at XXXX XXXX XXXX. Please feel free to contact me if you need any further information. Thank you for your help and cooperation.
Product: Credit reporting or other personal consumer reports

I am not affiliated with the creditors shown, and these inquiries were not conducted with my consent.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX, I bought my wife a XXXX  XXXX XXXX XXXX from a used car dealership- XXXX XXXX XXXX XXXX in XXXX XXXX From the moment my wife drove off he dealership the vehicle was not safe. It started to shutter and it got worse ; the brakes started to lock shut down the car while she was on the freeway driving. The battery was dead. She took the vehicle into XXXX for an oil change and the vehicle was diagnosed that it needed a new XXXX XXXX. On XXXX, I had the vehicle towed to the nearest XXXX  dealership in XXXX CA as it was not safe to drive and it has been there since. Today, I was informed they are not done with the diagnoses but at this point minimum to bring the vehicle to safe and working is $ 8k. FYI I also purchased an extended warranty ( approx. $ 4k ) from XXXX XXXX XXXX XXXX but they have failed to input my information so I am unable to use my Warranty as well. I have left several voicemail and emails for the owner XXXX XXXX, Title : Finance Manager : XXXX. I wish I would have recorded him. There is nothing wrong with this vehicle- LIE. You are getting the vehicle way below market price - LIE ( I actually over paid by approx $ 11k ).
Product: Debt collection

Dear [ Debt Collectors Name ], I am writing in response to your notice dated [ Date of Letter You Received ] regarding the debt with the above-referenced account number. I hereby request that you provide me with the following information, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ) : 1. Proof of the debt ( the amount and how it was calculated ).

2. A copy of the original signed agreement or contract with the creditor.

3. The name and address of the original creditor.

4. Proof that you are legally entitled to collect this debt.

5. A complete account history, including any interest, fees, or penalties added after the original amount. 



Please consider this letter as a dispute of the alleged debt and a formal request for validation. If you are unable to validate the debt, please stop all collection activities and cease further communication with me regarding this matter. 



I also request that any adverse or negative information regarding this alleged debt be removed from my credit report until this matter is resolved. 



Thank you for your attention to this matter. I look forward to your prompt response, as required under the FDCPA. 



Sincerely, [ Your Full Name ] [ Your Signature ( if mailing a physical copy ) ]
Product: Checking or savings account

XX/XX/2022, XX/XX/2022, XX/XX/2022, - emailed customer service in regards to linking my external bank account. Nothing fixed. 
XXXX account was hacked. 
XX/XX/2022, XX/XX/2022, XX/XX/2022, XXXX trying to activate my debit card they have not fixed it I was told to request another card ( XXXX card ). I'm yet to have access to my money
Product: Vehicle loan or lease

I am a Carmax customer who purchased a vehicle from their XXXX, Maryland store in XXXX of XXXX. I also financed my vehicle through Carmax XXXX XXXX at that time. On XX/XX/XXXX, I visited the XXXX store to make my car payment and was told there was an issue with the credit card processor after swiping my card for payment. I logged into my bank account and verified that the payment had indeed come out of my bank account, showed proof of the payment to the XXXX XXXX representative handling my payment, and was told I was good to go. Two to three weeks later, I began receiving collection phone calls from Carmax XXXX XXXX several times a day, claiming that I had failed to make payment for the month, despite having explained what had happened to each Carmax associate who called. After verifying with my bank that the payment made on XX/XX/XXXX at the XXXX store had in fact posted as a final charge, and hadnt been returned to my bank by Carmax XXXX XXXX, I provided this information in addition to bank statements to prove that the payment has been made on time. Over the next few weeks, I continued to receive collection calls, even though Id taken copies of my full bank statement to the XXXX store as instructed, faxed Carmax XXXX XXXX these documents and screenshots of the payment screen provided by the Business Office at the XXXX store as instructed, and spoken with numerous Carmax XXXX XXXX associates along the way on everything that had transpired. Since XXXX of this year, I have been dealing with this horrible ordeal and JUST received resolution today, XX/XX/XXXX. As a result of Carmaxs mishandling of my information, failure to follow appropriate processes for troubleshooting and remediating the error, and system glitches at the XXXX store, my credit score has dropped XXXX  points. After receiving proof of payment documentation, Carmax XXXX XXXX STILL managed to report a delinquent payment history to the credit bureaus. Soon after, I received notification of a flag on my credit report and immediately contacted Carmax XXXX XXXX to beg them to fix the issue to avoid any further negative reporting. That was not done. Carmax issued a refund for my XX/XX/XXXX payment in late XXXX and informed me that as soon as I made the payment again, the funds would immediately be applied to my account and the payment would be backdated to the date I made the payment at the XXXX store, XX/XX/XXXX. That also did not happen. I found out, just last week, that Carmax XXXX XXXX had also failed to backdate the payment to XXXX with their internal Accounting team, thereby triggering the automated system to send a negative report to the credit bureaus that my account was delinquent and past due, thereby causing my score to drop by XXXX  points.
Product: Credit card

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  are erroneously reporting public record BK XXXX  on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report. It is hurting my ability to obtain credit.
Product: Checking or savings account

On XX/XX/2021 I received a New Chase Debit Card. I did not apply nor did I authorize to open an checking account with a debit card. 
I have contacted Chase Bank. After several attempts to resolve this serious concern, I was informed by a fraud specialist XXXX that he could not give any details on this account because I did not authenticate this information originally. I was advised to go to a branch to apply for a Declaration form. 
Once received send this form plus a police report back to their office so they can close this account. There were notes placed on this account today XX/XX/2021 indicating fraud had occurred.That was all they could do for now. 
I am highly concerned. I am not sure how or when this occurred. The fraud specialist noted it was a data breach in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDUCATION has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, Experian And XXXX Are Reporting A Student Loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) That Was Forgiven/ Discharged Due To A Total And XXXX XXXXXXXX. I Have Paperwork To Prove, I Need This Removed From My Credit Report Immediately.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Currently, an account that has been paid in full and closed continues to report late payments, unfairly affecting my credit score. 

Below is the information for the account in question : CrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Although I recognize that there have been late payments in the past, the account has now been fully paid and closed. Since the debt has been settled, I request the removal of the negative reports associated with this account, as they no longer reflect my current financial situation and unfairly affect my credit. 

I am attaching the following documents in support of my dispute : Proof of full payment of the account. 
Copy of my credit report, which shows the negative status of the account. 
I request that the CFPB investigate this situation and, if it finds merit, order the removal of the negative records from my credit history. I look forward to a resolution in accordance with current regulations within the appropriate time frame. 

I appreciate your prompt attention to this matter and remain available to provide any additional information.
Product: Debt collection

Called XXXX verified they sent me a letter verifying this account was closed in XX/XX/XXXX. I sent it to credit Management they changed it on all 3 credit reports only to turn around and change it back to XX/XX/XXXX. This account is from XX/XX/XXXX they are reaging this bill twice now.
Product: Debt collection

XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with ATG Credit and collecting a debt from XXXX about a XXXX computer from back in XX/XX/XXXX. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I  received a packet from ATG Credit that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the ATG credit company has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.
Product: Debt collection

I am writing to bring to your attention a critical issue regarding a debt that is currently being pursued by Amerifinancial Solutions. I dispute the validity of this debt based on the fact that, at the time of the service in question, I was a member covered by XXXX XXXX XXXX. Furthermore, I not only contest the amount claimed, but also the existence of any outstanding balance. This dispute arises from the inaccurate reporting of my insurance coverage, which has had severe consequences on my credit history. This detrimental impact is now hindering my ability to seek necessary medical treatment and is impeding my efforts to purchase a home.I have already communicated with XXXX XXXX of Florida, informing them of this situation and providing evidence of my insurance coverage during the specified period. They are aware of the inaccuracies in reporting and are collaborating with me to rectify this matter. Additionally, I dispute that I owe the amount stated on the invoices in question.I implore you to conduct a comprehensive investigation into this issue, removing any accounts associated with my name, XXXX XXXX, under the following account numbers : Account # : XXXX, Account # : XXXX, Account # : XXXX. The resolution of this matter is of utmost urgency, and I trust that you will treat it as such. I request that you promptly confirm the removal of these accounts and provide written acknowledgment of their resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to File a complaint on Experian I have asked them to investigate a XXXX XXXX account XXXX That is Not Familiar with me I had reached out to the creditor they tell me that the account was closed and couldn't provide any info to me I asked Experian to Please investigate this account and they have failed to do so. I'm going to asked you one more time before I file Legal action On experian if they DO NOT SEND ME PHYSICAL PROOF OF THIS DEBT! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or deleted immediately. 
XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Road Lending has sent my application to XXXX XXXX regarding an auto loan I was trying to get refinanced without my consent. I am currently in a class action lawsuit with XXXX XXXX. Therefore, I am NOT interested in doing any business with XXXX XXXX. Also, XXXX XXXX has inquired on my credit which I did NOT authorize ... I have never even heard of that company before. I wish for these inquiries to be stricken from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX weeks now, with documented proof, XXXX has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my XXXX XXXX significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXX XXXX XXXX XXXX XXXX I challenged this on my credit and my credit score remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXX credit card, I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report there is one bankruptcy  in XXXX and 3 accounts in XXXX that don't belong to me.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agent reporting a medical debt because of a missed payment, yet never reported all the on time payments. Agent 's exact words to me wwre " We dont report ontime payments, only when you fall behind '' This is abuse and harrasement at its finest! 

I want this removed immediatley and I want action take against them. If they are going to report, then they need to report good and bad, and they have not! I want thsi removed immediatley!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00}