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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX
Product: Debt collection

My father received a call from XXXX XXXX XXXX XXXX. He notified me, I called them back. I spoke to a Mr. XXXX who told me this was a payday type loan opened under my name for a company called E-Money. I asked for more information because I currently have a few other payday loans that have been opened using my name that aren't mine and I am working with my attorney for those. Mr. XXXX refused to give me any information if I didn't agree to pay it and said my wages were to be garnished immediately. I told him how could I pay anything I don't know about and explained this may be part of the other payday loans that are in my name fraudulently. I offered to have my attorney call. He reinforced that he would not be able to provide any information until I set up at least a payment plan. I refused and he hung up. A few minutes later, my daughter had a voicemail left on her phone from him that provided my private information such as date of birth and then said he would see me Friday. I have a copy of the voicemail he left on my daughter 's phone saved. This is threatening and scary. I am not aware of this account and just trying to get to the bottom of this. Calling my family including my daughter, and telling them my wages will be garnished and he will see me Friday is scary. My daughter is now convinced someone is actually coming to our house on Friday to do something to hurt me. It is just me and my two daughters that live here. I am in the middle of a messy divorce partially due to other accounts opened without my permission. This is unacceptable and not the experience I have had dealing with other collection agencies.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed multiple inaccurate late payments reflecting on my credit report that have affected my life and credit health greatly.
Product: Debt collection

Recently have tried to contact collection agency regarding debt.

XX/XX/XXXX andXX/XX/XXXX certified letters asking to show me how they own debt.

Can they prove i owe it. how can this be I live in California. They were unable to validate debt except give me a bill. I've tried to dispute with credit reporting agencies. they said it was verified. that cant be because i verified by certified mail and they could not. verify debt. I sent multiple certified letters because on the 3 different reporting agencies they are showing different names and addresses it has caused a lot of confusion.

I sent a second letter asking a second time to remove if unable to verify. they refused by sending me another bill.

XX/XX/XXXX after their response I sent another letter stating if they can not validate or furnish anything then to remove debt. they refuse. I tried calling the hospital,. they will not share any information with me due to hiipa they said.

Ive tried calling them even the statute of limitations have lapsed. but still refuse they sai it starts once they post on credit report. however they have removed it then have reposted to my credit report. its a game and very aggressive tactic.. Ive called them about this. Their response was telling me that they can renew it by giving it to another company.

THEY REFUSE TO DISCLOSE ANYTHING THEY HAVE CHANGED THEIR ADDRESS THEY CHANGE THEIR NAME AND DO THIS SO PEOPLE MAY NOT DISPUTE CORRECTLY. ARE THE LAWS NOT IN PLACE PROTECT CONSUMERS?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I apply for a XXXX XXXX  account with XXXX XXXX XXXX application number XXXX was denied because according to sagestream LLC my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for sagestream LLC to have my information I got denied credit base on their incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  must have been hacked again. XXXX XXXX is a company that seems to not exist, yet has found a way to be on my credit report. I have called the number to try to get information about the account, but the number is disconnected. Which I figured because phone numbers in XXXX, NY do not have a XXXX area code. Furthermore, the zip code does not make any sense for it to be an address in XXXX, NY. Lastly, the account says that is XXXX years old, which just by time alone, it should not be on my credit report and it says that there were payments made recently on my behalf. I would LOVE to know who made the payments and from what account were the payments made. If this is a government agency, why haven't they contacted me yet? 

Also, a Barclay 's account had appeared but that account was closed and removed years ago. Interestingly enough, it says that I have a {$1300.00} credit limit, but I do not actually have an account with that company. 

Lastly, XXXX still has accounts on my credit reports ( all three reporting agencies ) that should be removed immediately due to their fraudulent mortgage practices as discussed in CFPB file number XXXX. 

Thank you for your help.
Product: Debt collection

Called the company multiple times, was told on three different occasions that they could not find a record of me in their system. Emailed on XX/XX/XXXX, trying to get an account number, and was never responded to. Finally on XX/XX/XXXX, someone from national credit systems was able to find my account, but told me that the account was already sent to an attorney 's office to file a lawsuit. Upon calling the attorney 's office, they were not able to tell me what the debt was for, or why I owed the amount that I did, and requested that I pay it in full. I have still never been told where the debt came from. I did live in that apartment complex for a very short time, however, when i left in XXXX they told me that nothing was owed because they were keeping my damage deposit, as well as my last month 's rent. I only lived there for 30 days. An entire year later, after not receiving a single notification from anybody, I attempted to apply for a loan and was told I had a collections account on my credit report. I was never notified of the debt, and i was never able to get into contact with the collection agency until recently, when they told me that they were filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX - XXXX - {$220.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Checking or savings account

I am no longer able to link PNC to XXXX.
Product: Checking or savings account

Please reference investigation ID XXXX, I received a letter from TD Bank whereby they stated, based upon our investigation, we have determined that fraud did not occur. The letter was dated on XX/XX/XXXX. The letter was received on XX/XX/XXXX. I immediately contacted TD Bank customer service center to determine what type of investigation was conducted or led to a determination that the fraud did NOT occur. Customer service agent ( XXXX XXXX ) stated that investigation was determined based upon the proximity of the fraud and actual residence. 

I filed a police report on XX/XX/XXXX stating that the contents of my wallet were stolen from my locked vehicle while it was parked in my driveway [ RESIDENCE ]. There was no sign of forced entry. They did not take my wallet or driver 's license, and I had no cash, what they stole was my credit/debit cards. 

I received a fraud alert on my other credit card ( XXXX XXXX ) on XX/XX/XXXX, which later alerted me to other activities on my other cards which were also stolen. These cards included the TD Bank business debit card. I was working in Washington, DC at the time of the fraud. I immediately went to the closest TD Bank location on XXXX XXXX XXXX XXXX, Washington, DC XXXX. I spoke with the banking specialist, XXXX XXXX. He issued me new debit cards for my personal and business account. He was not able to dispute the charges since the transaction had not posted. It took two days for the transaction to post. I filed it on Friday, XX/XX/XXXX on  the phone with the customer service agent. I also sent the Bank Specialist ( XXXX XXXX & XXXX XXXX ) the copy of the police report, whereby they went to the fraud department Based upon the information provided by TD Bank in this letter, I find it bizarre that the TD Bank made a decision stating that the fraud did NOT occur. I am requesting that TD Bank refund the money as soon as possible and return interest on money due. I am also requesting that the Consumer Financial Protection Bureau look into TD BANK business practice in determining fraud as while as violations of Consumer Protection Laws. 

Please reference previous complaints submitted against TD BANK with the Consumer Financial ID XXXX & XXXX
Product: Debt collection

We have had repeated calls from this company Synter Resource Group about a XXXX debt of {$300.00} which we do not owe. We do not think this company or the claim is legitimate so we are not calling them. Have spoken to XXXX and we do not owe them any money. The message is an automatic one and does not address us specifically by name - we have gotten the calls for the past week every day. They say the file # is XXXX.
Product: Payday loan, title loan, or personal loan

I opened an account with XXXX XXXX XXXXXXXX XXXX back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called XXXX XXXX XXXX XXXX on XX/XX/2020 to have XXXX 's payment deferred, which was granted by XXXX XXXX XXXX XXXX. I then called XXXX XXXX XXXXXXXX XXXX  again on XX/XX/2020 and asked that XXXX 's payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call XXXX XXXX XXXX XXXX once again on XX/XX/2020 and ask that XXXX & XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I wound up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX & XX/XX/2020, I also have a late payment for XXXX & XX/XX/2020 and that is totally incorrect! XXXX 's payment was made on time and XXXX 's payment was made six days late but it clearly states on XXXX XXXX XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed on my credit report.
Product: Money transfer, virtual currency, or money service

Good day PayPal, I am writing to express my concern regarding the recent deactivation of my PayPal account, XXXX. Upon attempting to use my account, I was notified that it had been banned, and I would appreciate your assistance in understanding the reason behind this decision. I have always endeavored to comply fully with PayPal 's User Agreement and Acceptable Use Policy. However, I have not received any prior warnings or notifications regarding any potential violations. Therefore, I kindly request clarification on the specific reason that led to the account ban. 

Furthermore, I respectfully request a thorough review of my account with the aim of reinstating it if possible. If there are steps I need to take or additional information I should provide to expedite the review process, please let me know at your earliest convenience. Rest assured, I am committed to working collaboratively to address this matter and restore my account privileges. 

Respectfully yours, XXXX XXXX
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 XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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, credit repair services, or other personal consumer reports

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Money transfer, virtual currency, or money service

Hi, I am currently awaiting 2 x {$10000.00} withdrawals from Coinbase for over 10 days. The withdrawals appeared to be complete on Coinbases ' website but my bank account has not been credited. I attempted to make these withdrawals on the XX/XX/XXXX and XX/XX/XXXX. 

I 've contacted Coinbase support via email, created a ticket ( Case ID : XXXX ) on their website, contacted them via XXXX, and messaged their moderators/employees on XXXX and have yet to receive a response. 

This is worrisome.
Product: Debt collection

I have a student loan judgment debt with the XXXX, in which I must pay {$75.00} each month. I receive social security on the third Wednesday of each month therefore I ca n't have the Kyle law group which is the debt collector for the U XXXX take the payments automatically from my bank account each month, so my wife elected to have my payments deducted from her bank account instead, because her social security XXXX check is deposited on the XXXX of each month. However, that can change as well because if the XXXX falls on a weekend then the deposit will go in a day or XXXX early. This causes an overdraft on her account as well as mine. Also the Kyle law group is setting our accounts up with the pay .gov website where the payments are being collected. XXXX Kyle is not sharing any account information with me or my wife ie. username, password, security questions. If I want to make changes on the website I have to go through the Kyle law group, I ca n't make the changes myself. When I cancelled the payments from being collected from my bank account on XX/XX/XXXX2016 the Kyle law group took the payment from my account as well as my wife 's account on XX/XX/XXXX2016. Because I did not know the username, security questions, or password I could not make the changes, because Kyle law group set the account up, and did not let me know any information. Now the same thing is happening to my wife, and their office has set up a pay.gov account for her and will not share any of the account with her. She does not owe them I do. I do n't mind paying on my debt each month but I prefer to call the Kyle law group each month and let them run my debit card, therefore, not causing me or my wife overdraft charges. We both are on a fixed income in which the dates for depositing our checks are not set in stone. This is why I would rather call them each month and process a payment. I do n't know why the Kyle Law group does not want to share the account information with me or my wife. I would appreciate your help. Thank you.