23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is attempting to collect an alleged debt without permissible purpose or verifiable proof, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The debt in question is allegedly from Synchrony Bank - XXXX XXXX, associated with account number XXXXXXXXXXXX1397, with a claimed balance of {$1600.00}. There is no evidence that I owe this debt, yet XXXX XXXX XXXX XXXX XXXX has made no effort to ensure maximum possible accuracy, demonstrating willful non-compliance with federal law and a reckless disregard for my consumer rights. I am formally disputing this debt and demanding immediate validation. If XXXX XXXX XXXX XXXX XXXX claims that this debt is valid, it must provide legally binding proof of its enforceability against me, including a complete breakdown of the balance, documented proof of ownership showing the legal right to collect, and a full payment history from the original creditor. Without such documentation, there is no basis for collection efforts or for associating my name with this account. If no valid proof can be provided, XXXX XXXX XXXX XXXX XXXX must immediately confirm in writing that all collection attempts will cease and that my personal information will be permanently disassociated from this account. Any further attempts to collect this debt without verification constitute a direct violation of federal law. Additionally, under XXXX XXXX. XXXX ( c ), I demand that XXXX XXXX XXXX XXXX XXXX cease all communication with me unless it is to provide the legally required validation. Any continued attempts to collect without proper documentation will be considered willful misconduct, subject to penalties of up to {$1000.00} per violation. This is not a requestit is a formal legal demand that requires immediate action.
Product: Checking or savings account

My fiance deposited his check into our account with them on XX/XX/21, and they still have not cleared it as of XX/XX/21. I called XX/XX/21 to see what the was up, and they said that they flagged it for being " double cashed '' ( which is not true because we absolutely did not try to double cash it ), and that it would clear by XX/XX/21. Nope. Still not cleared. We have now received a {$30.00} bounced check fee, and a {$20.00} late fee from our mortgage company. I will be filing this complaint with the CFPB as well. If they refuse to pay the fees caused by our mortgage company, we will be taking them to small claims for all of the fees they caused, and for holding our money under false pretenses.
Product: Credit reporting or other personal consumer reports

Since filing a dispute with Experian this month... .I have been unable to access my consumer report and their automated system claims there is a problem with problem with the system, however, I have been unsuccessful in reaching an agent or customer service representative by phone
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX  accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX  XXXX {$870.00} XXXX  XXXX  XXXX {$3300.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and Equifax, which they have actually removed. However, a residual issue exists with that complaint. 1. Equifax has not readjusted my credit score from when the account was reported on my Equifax credit report, which the day before the fraudulent account was placed on my credit report, my Equifax score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. Equifax has removed the fraudulent account, but my score still remains at XXXX.
2. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX.
3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER,  XXXX adjusted my credit score with them based on XXXX and Equifax reporting a 'new collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither Equifax, XXXX or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
Product: Debt collection

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I am submitting on my son 's and my behalf. My son XXXX XXXX  attended XXXX and graduated in XXXX. On some of his student loans, I was a co-signer. I'm sorry, it has been more than 7 yrs when he graduated from college I do not recall or remember all of the details on the loans. According to a letter I received XXXX XX/XX/XXXX, this student loan from XXXX XXXXStudent Choice was charged off XXXX XX/XX/XXXX and it shows as such on both of our credit records as being " charged off ''. I have not heard of or remember handling the loan, is a Debt collector from any company in New Jersey, named MRS and wanted to know why they were contacting me? Since I didn't remeber the dedt, the loan or amount. So, I called to ask what it was in reference to and clarification. He explain it was for a student loan for my son XXXX and I was being notified due to being a co- signer on a Student loan 's that was over 7 yrs ago. He also stated that they had sent the same written informationto XXXX.
Product: Money transfer, virtual currency, or money service

I purchased a money order to send to my friends In XXXX XXXX Arizona on XX/XX/20. They never got it. i contacted the company 3 times and never got a responce. I have copys of the docs I sent them. it was XXXX. It has cost me not only the money but my friends as well. they don't believe the money was ever sent. This has been over a year now and I am on XXXX disablity and only get XXXX a month so I have no extra money to send them. I hope you can help me.
Product: Bank account or service

A " law office '' contacted me saying they were going to seize my property ( I do n't own property ) pay Wachovia. I have not had an account since 2009 with Wachovia/Wells Fargo. The statue of limitations should be close, and I dont own them money. the law office said they would see me in court then hung the phone up
Product: Money transfer, virtual currency, or money service

CFPB, I would like to report Coinlists very improper and illegal action with users money. 
As far as I know, there are so similar cases that many investors and users have had, but still no reply from Coinlist. 
You can easily find those cases from Coinlist XX/XX/XXXX account comments made by users. 
Coinlist does not operate communication channels to get customers feedback. Just they announce by XXXX and blog and preventing customers feedback. 
( Coinlist.co : Cryptocurrency company that launch new cryptocurrency with investors money ) 1. Deposit dates : XX/XX/XXXX 2. Amounts : Cryptocurrency CELO 1054.799 ( 8,133 USD amount as of XXXX XX/XX/2021 ) 3. Action I transferred Cryptocurrency ( Cryptocurrency : CELO ) to Coinlist almost a month ago, but still no deposit to Coinlist account, no refund or no clear explanation when and how they refund my money. 
I took a claim ticket on XXXX XXXX and then no reply at all from Coinlist until XXXX XXXX. 

On XXXX XXXX, Coinlist replied with short message that told me there were some issues on its custodian identifying certain CELO and cUSD deposits But they didnt explain when exact date they would refund and how to manage my case in detail. 
And still I havent got my money back even though I sent emails 5 times. 

4. The risk of Coinlist and My wish Coinlist seems to focus on increasing its company value to raise much money from other big investors or sell itself on very expensive value, but ignoring small investors risk and fund lose. 

Please investigate this company and stop all financial operation ASAP to prevent any additional damages to investors. If there are any illegal points, please stop its financial operation to avoid additional victims. 
And please help to get my money back asap.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Experian is in error regarding their completed Investigation ( Report number : XXXX ) of a dispute I initiated regarding my personal Credit Report file. Section 609 of the Fair Credit Reporting Act ( Federal Law ) does not care if the Hard inquiries are valid or not. The dispute centers on the CRA 's ( Experian 's ) right to REPORT the Hard inquiries on my Credit Report file ( without providing tangible proof of proper verification via copies of original signed credit application documents as demanded ) NOT whether or not the Hard inquiries THEMSELVES are valid! And absent tangible proof of proper verification, the Hard inquiries would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiries MUST BE DELETED from my Credit Report file. Furthermore, Experian HAS ALREADY deleted 10 of the 34 disputed Hard inquiries, thus setting legal precedent for and nullifying any legal argument against the validity of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to an act of non compliance with credit reporting agency, Experian, I strongly believe that they are in violation of the FCRA due to deletion of XXXX XXXX  account and reinsertion without providing written notification as required. 
On XX/XX/2020 Experian deleted XXXX XXXX  account from my personal credit file when disputed for inaccuracies. This deletion took place 45 days after they received my initial dispute letter via certified mail. Experian re-inserted and updated this XXXX XXXX  account on XX/XX/2020. Experian did not and still has not provided written notice for this reinsertion as it is required by the FCRA. 
On XX/XX/2020 Experian sent a series of electronic notices mentioning this same deleted account had a dispute opened and updated on that same day. I phoned Experian to explain that I did not resubmit new disputes for what was an already deleted account, Experian claimed these notices of the reinsertion was actually Experians own internal disputes. I have since mailed Experian an affidavit of facts pertaining to the reinsertion in attempts to avoid court proceedings for this illegal reinsertion.
Product: Credit reporting

XXXX out of XXXX, Oklahoma has been incorrectly reporting the status of my mortgage with them for at least 6 years. I have attempted, on numerous occasions to get this corrected, to no avail. 

On XXXX XXXX, 2015 I submitted complaint number XXXX to the Consumer Financial Protection Bureau, as a Mortgage complaint. I was then advised to submit another complaint under credit reporting. 

Case number XXXX was forwarded to the FDIC for investigation. The attached information is in addition to previously submitted information for these complaints.
Product: Debt collection

Pursuant The FDCA ... .. ( 15 USC 1692C ( c ) ) I sent the alleged debt collector '' Harris & Harris `` a cease and desist letter for all communication related to this debt. 

Tracking number " XXXX '' According to The ACT " The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium '' This is mean that the alleged debt collector needs to stop communicating to a third party ( i.e credit reporting agencies ) As mention in the letter I will pursue civil penalties under 15 USC 1962XXXX if this situation is not correct.
Product: Debt collection

I have never heard of Orions Management Company or XXXX. The address reported, I have also never lived at. Orions Management Company never contacted me about this alleged debt before placing on my credit report. 

I have never signed any contract with Orions Management Group, so how are also late payments being reported? Please show me a bill or service for {$2100.00}. How can I make payment on a debt I don't even know exists? I have a collection now with multiple late payments. Please have this deleted as soon as possible.
Product: Debt collection

I received a phone call from a lady named XXXX. She started giving out information about me before even making sure she was speaking to me. She did not tell me the call was being record. She stated that I owe a debt. I kindly asked her not call me on my cell phone and she said fine and asked for another number. I advised her that I do not have another phone number. She said that she had my work phone number. I told her she is to not call my employer. She said she was not calling me at work but she would be calling my HR department to advise them of my debt to verify my employment. I advised her she is not allowed to contact my employer and she said she has every right to contact my employer. I kept repeating NOT to call my employer and she told me to have a nice day and hung up on me. I called back and asked for a supervisor. I spoke to XXXX who also said they have every right to contact my employer. I told him that he is NOT to call my employer and she said they were going to call them even though I told them not to. I felt threaten by this company that they were trying to have me fired from my job. The debt they are trying to collect on is 12 years old and has been sold from collection agency to collection agency. This company uses threat tactics to get people to pay and they are not allowed to threaten me or anyone else.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> 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.

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
Product: Credit card or prepaid card

statement date XX/XX/19 last bar. XXXX charge XXXX XXXX payment XX/XX/19 XXXX payment XX/XX/19. XXXX statements date XX/XX/19 last bal XXXX late chg XX/XX/19 XXXX late charge was applied because I made early payments I have other cards that recognize early payments made before cycle end and do not make charges. 
I was told I needed to understand how there system works. there is not anything on their web site that states that they do not recognize these payments as satisfying a payment due in a statement due out in the next few days. 
I was penalized for early payment and payments that far exceeded any payment amount
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted from my credit report because I did not authorize these companies to run my credit this is fraudulent.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I tried to withdraw bitcoin from my cash app account registered under the email XXXX. The withdraw did not go through and I was subsequently notified that my account was XXXX until I verified my identity. 

I provided everything they asked for. I linked my bank account through Plaid, I shared my phone contacts with their app, and lastly I scanned the front and back of my debit card after they prompted me to do so. 

After scanning my debit card cash app notified me that I apparently violated terms of service and my account was being banned. Now I still have over {$900.00} worth of bitcoin stuck in my account and I am unable to withdraw it because their verification system is broken. 

I went in their live chat on numerous occasions and asked how do I get my money out of my account and they just tell me they can't help. I clearly explained to them the verification is not working and stuck in a loop. I click the button to scan debit card and it just refreshes over and over. Despite numerous attempts to explain my problem they just give me the same response every time saying they can't help. 

Cash app has now stolen {$900.00} from me even after I did everything they asked for. I'm hoping this complaint will make them do the right thing and give me my money back. If this fails I will be forced to take legal action against cash app for stealing {$900.00} from me.
Product: Checking or savings account

Credit Karma has closed my XXXX account due to it being overdrawn. I had money in my savings to cover this and I received no notice of it being closed. My tax return was sent to that account by XXXX XXXX Credit karma then put the money in my XXXX account that is still open. However, I can not withdraw the money nor update the linked external account. The account that is linked is a bank account that is closed and I no longer have access to. They are saying a third bank has my account locked which makes no sense considering they are unrelated. I called the third bank and they said they didn't know what credit karma is talking about. Now I am just trying to get my money via check to my updated address or have them update my external account for me. They keep hanging up the live chats on me and no one is responding to my emails. They first emailed me saying it is being escalated and to reply to this email if I have any more questions and so I did. Only to get a response saying, " please contact with the email that is associated with your account '', yet I was replying to an email they sent me and they got my email from my account, so that makes no sense and they have ghosted me on all forms of contact for almost a week now. We are getting our utilities shut off and maybe evicted due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF EDXXXX # XXXX and DEPT OF ED/XXXX  # XXXX has violated my rights. 

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 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 card or prepaid card

I was approved for a home loan through Wells Fargo. And, I was given a Wells Fargo visa credit card. 
My credit score was XXXX. 
I was So excited to purchase my home that I overlooked the interest rate of 23 %. 
I contacted Wells Fargo credit card unit several times over the years asking them to lower my interest rate, but they ignored my request and I spent years talking to their managers, customer service executives begging them to please lower my interest rate. However, they only offered me XXXX months no interest on my credit card purchases. 
I was Very upset because the interest rate on my visa credit card with my credit union was 11.9 %, so the this was clearly an unfair interest rate. They Never Lowered my interest rate, it's still 23 %.