23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Penn Credit corporation dated XX/XX/XXXX and after few days without any chance to verify my records ( 30 days to ask for verification ) or according to the FDCP nobody gave the change and placed the account in my credit report in a clear violation of the law. 
Previously contactked PennCredit via CFPB to obtain copy of any contract or any documetation to validare any debt but the amswer wad they try to contact me in a old address without any success but now they decide to validate by themself. 
The report show inaccurate information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open and charge using my identity and social. 
See residency letter from shelter during the period open and charge under my name. 
XXXX shows day open XX/XX/XXXX and XXXX  XX/XX/XXXXand during that time I was living in a shelter so the dates obviously are wrong, the amount is wrong and somebody used my information to open the account.. 
PennCredit violate the 30 days period and the Credit Bureau allow them to post false and inaccurate information withou any support.
Product: Debt collection

On XX/XX/XXXXXXXX  I received an email from XXXX XXXX at " XXXX XXXX XXXX, a debt collector '', stating they are trying to collect a debt that I owe to LVNV Funding, LLC. 
The original creditor is listed as XXXX XXXX  with account number ending in XXXX, and it said I owe {$2300.00} from XXXX, XXXX. I responded to the email advising her I do not recognize the debt and that I was disupting it, and asked for PROOF/verification to be mailed to me in support of their allegations that I owe XXXX XXXX  this amount they are claiming. On XX/XX/XXXXXXXX   I received a letter dated XX/XX/XXXXXXXX  from " Resurgent Capital Services '' on behalf of current owner LVNV Funding, listing XXXX XXXX  as the original creditor. The letter does not indicate what type of an account this allegedly is ; it simply lists XXXX XXXX  as original creditor, origination date of XX/XX/XXXX, chargeoff date of XX/XX/XXXX ; and that they acquired the account on XX/XX/XXXX. First, this loan originated TWENTY ( 20 ) years ago. AT NO TIME between today 's date and origination date of XX/XX/XXXXXXXX  have I ever received any written correspondence nor any collection notices from XXXX XXXX. The letter from Resurgent Capital Services includes a Texas disclaimer stating due to the age of this debt, they can not sue me nor report it to any credit reporting agency. Despite my request, they have failed to provide any copies of original loan documents, or anything with my signature on it verifying that I willingly agreed to borrow any money from XXXX XXXX  20 years ago. As Texas prohibits them from suing me or negatively reporting to the credit bureaus for this debt due to its age, they can not continue to harass me and pursue me for this debt, so I question why they are still allowed to contact me when they legally can not continue pursing me for this.
Product: Debt collection

In late 2014, I was involuntarily transported to the hospital against my will by 2 police officers. I was not under arrest, and I was not committing a crime. I did not threaten to harm or injure myself. When I was dropped off at the hospital, I did not receive any medical attention, or even check in at the front desk. I walked home after being dropped off. I never received a bill for this " ride '' to the hospital, and had no knowledge of the debt until it showed up on my credit report. This is a fraud charge for a service that I did not ask for or need, but was forced onto me by officers who took advantage of their authority. I was not charged with a crime, as I was not, and did not commit one. I was a victim of police misconduct, and now I am the victim of the health system.
Product: Credit reporting or other personal consumer reports

account. 
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 inaccurate. 
XXXX XXXX XXXX  {$140.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXXXXXX XXXX - XXXX XXXX  {$900.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXXr
Product: Credit reporting or other personal consumer reports

INNOVATE LOAN SERVICE XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX  XXXX Re : Acct # XXXX This complaint is regarding account # XXXX with Innovate Loan Service, which claims that I owe {$10000.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per XXXX XXXX XXXX ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately.

Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Money transfer, virtual currency, or money service

Email Received Confirm your details to reactivate Hello XXXX XXXX, We are reaching out to let you know that your Coinbase account is restricted because you did not update the personal information we have on file for you, otherwise known as Know Your Customer or KYC information. 
Your Account is Currently Restricted As communicated to you in previous emails, we are required by law to periodically re-confirm our customers XXXX information. Unfortunately, your account was restricted after you failed to update your information by the deadline we previously gave you. 
Reactivate Your Account Today The good news is, it's not too late - you can easily reactivate your account and regain full access by completing your XXXX update now. 
How to Reactivate Follow these simple steps : Log in to your Coinbase account Follow the on-screen instructions to confirm your information Once verified, your KYC account restrictions will be lifted and you can continue using Coinbase like before. 
We want you to continue being part of the Coinbase community. Please take a minute to confirm your KYC and start trading again. 
Kind regards, XXXX Coinbase XXXX -- -- -- Can not speak to Company by phone. Can not email Company. They provide no contact information in emails. The web site was changed and can not display web site to even log i on iOS 12.4.1. Found support XXXX XXXX however the company sends reply they will not respond. Only respond after login, which I can not due to coinbase.com changes in web site and XXXX XXXX without notice. 

Coinbase, XXXX is unreachable. Coinbase has locked me out of using the web site and app on XXXX XXXX and XXXX XXXX. Then proceed to lock my account from use and threaten to delete. 

Require Coinbase to remain compatible with Operating systems for a minuimum of 8 years ( which is the stature of limitations for maintaining all financial data ) from last update / security fix For XXXX XXXX it starts in XXXX. For XXXX XXXX XXXX it starts direct XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an official notice and demand for immediate action regarding the grossly inaccurate, unverifiable, and fraudulent information that your agency has irresponsibly reported on my credit file. My recent investigation into my credit report revealed numerous inaccuracies that have caused me severe emotional distress, including XXXX, as a direct result of your agency 's negligence. Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to ensure the maximum possible accuracy of the information contained in a consumers report. It is clear that you have failed to meet this standard, and I am holding you accountable. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, your agency is required to promptly delete that information or modify it as necessary. You are further obligated to notify the furnisher of the information of any deletions or modifications. I am giving you a strict deadline : if you can not provide me with verifiable proof of the accuracy of the items listed below within 15 days, you are required by law to delete these items from my credit report immediately. Failure to comply will result in legal action against your agency for violating federal law. 

XXXX XXXX XXXX XXXXXXXX It is conceivable that the account identified may have been reported unfairly, without proper certification, or in violation of the law. As a result, I must insist that you immediately remove any item that alleges derogatory-conditioned late payments, as mandated by the law. 

XXXX XXXX XXXX XXXXXXXX s. It is disheartening to observe that this information may be afflicted with incompleteness, obsolescence, or a lack of substantiation. I earnestly implore the removal of any inaccurate or unsupported content from this page, as such discrepancies are dismaying. Your prompt attention to rectifying this situation would be deeply appreciated. 

XXXX XXXX - XXXX It is imperative to acknowledge that this information could be potentially incomplete, outdated, or lacking proper validation. We kindly request the removal of any inaccurate or unsupported content from this page.
Product: Credit reporting

I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion XXXX has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) 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 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified these account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX
Product: Debt collection

They called my phone XXXX A day. My phone is ringing constantly with calls from Conns XXXX XXXX. They call from a different phone number everytime, never the same number twice. So that makes blocking the calls impossible. The area are always different, my phone tells me it ConnsXXXX everytime they call. They mail my letters and send me emails daily. 
Their calls are disruptive to my life. They wake up my XXXX and interfere with my work.
Product: Credit reporting or other personal consumer reports

there were so many hard checks on my credit report i had no idea that they were there.not to metion i didnt consen t or aprove any of those checks in my name. 
those were just a few of the negitivle items to impact on my scores.i didnt have enough time to adress all the wrong things and information on my reports i didnt know was there i would like every single hard check removed asap please and thank you. 
id advise every consumer to pay close attention to their credit reports to avoid huge issiues like this one. 
ive attached the pdf file below listing alll the XXXX hard checks. 
i wish i had know about this and alot more problems & solutions alot sooner
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding fraudulent reporting of an account on my TransUnion, XXXX, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I have problems paying off this credit card it will not take my payment they charge me for a late fee, keep stacking charges on there so I can't pay this credit card off reporting it to the credit bureau, it's an ongoing thing for 3 years my deposit was taken away! Interest charges is building up on the credit card and the account is closed
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXXXXX XXXX They in fact did not come from a XXXXXXXX XXXX l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have failed to remove the follow accounts from my account : XXXX XXXX  account # XXXX FXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX. Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX  credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. XXXX has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My XXXX  lock was taken off a couple of times and I couldnt lock it back. Im tired of XXXX  being biased towards me then has to end. I will be submitting a cease and desist order to XXXX  as soon as I finish my motion in court if this does not stop.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX I received feedback after sending a debt validation request to Acima Credit LLC on alleged debt I Do not owe. they in returned responded with a deceptive form stating that I owe an alleged debt. 15 USC 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They have violated my rights as a federally protected consumer. Acima has communicated with me indirectly on my credit report. This has violated my right as a consumer too privacy congress has said so pursuant to USC 15 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ACima has stated that they are not a debt collector and that these consumer laws does not apply to them Pursuant to USC 15 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such Alledged debts. This debt is not mine .. For the purpose of section 1692 ( a ) ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.Acima has also hassrased with this conduct as well as pursant to USC15 1692 ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : see attach statement they used ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also 15 U.S. Code 1692e.False or misleading representations ( A ) the character, amount, or legal status of any debt ; in the letter it states the character amount allegedly as {$1800.00} Allegedly on the credit report it states {$1800.00}