23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchased patio furniture from XXXX XXXX, XXXX XXXX, NY, total amount {$1400.00} on XXXX/XXXX/XXXX. This was charged on a Comenity Bank XXXX XXXX. In addition to the cost of the items I was required to pay an additional {$150.00} for delivery. When I set up the items on XXXX/XXXX/XXXX the chairs and 2 days later the swing set, I noticed the items were defective- the chairs fell apart and the swing set 's material seams were not sewn strong enough and separated. 

I contacted XXXX XXXX and spoke to a fellow named XXXX who claimed he was the store XXXX. He told me I was required to return the defective items to the store. I paid for delivery ; I was expecting them to pick up the items. 

I explained that the sheer size of the chairs and swing set precluded my ability to return them. After all, I paid {$150.00} to have them delivered. He said there was nothing that he could do. I had to return the defective material to the store. 

I then contacted Comenity Bank by phone and explained my situation. They sent out a complaint form dated XXXX/XXXX/XXXX to be completed and returned. I did so on XXXX/XXXX/XXXX and filled in all required information. 

I did not hear anything further until I received a letter from the bank dated XXXX/XXXX/XXXX. I was asked to complete the identical request that was made in XXXX. Again I complied with that request. I then received another request from a letter dated XXXX XXXX, XXXX. Again I complied. I then received another letter dated XXXX/XXXX/XXXX requesting the same information.
Product: Credit reporting or other personal consumer reports

XXXX recently reduced my XXXX credit score to " Unscorable '' and said it's due to me have no credit activity within the last six months ; however, I do in fact have an ACTIVE/OPEN account at this time. I have an open federal student loan through Mohela/the U.S. Department of Education .
Product: Debt collection

COMMONWEALTH FINANCIAL XXXX I am sending this letter to you in response to your reporting of an account to my credit report. To my knowledge, I have never been notified that I owe you a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of XXXX delinquency and last payment date to original creditor, if any.I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT, XXXX, to name only XXXX ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00}
Product: Debt or credit management

My name is XXXX XXXX : My address is XXXXXXXX XXXX XXXX XXXX VA My XXXX is XXXX Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that is appearing on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. 

The erroneous collections I am disputing are listed as follows : Jefferson Capital Systems Inc, XXXX XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX JCS Reference Number - XXXX Amount of Debt - XXXX Date of Deliquency - Unknown I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt.

I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX if you require any further information from my end. 

Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX Payments are reported as late on XXXX, Experian, And XXXX, although a double payment was made in XXXX to XXXX XXXX  Loan number XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My FICA score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with Experian who has NOT updated the other  XXXX  bureaus! NOTE on each complaint filed  XXXX   XXXX  WAS included as was  XXXX !!!!
Product: Prepaid card

Money NetworkXXXX XXXX  XXXX XXXX XXXX XXXX {$1000.00} stolen. 

I have had this card for many years. It is a XXXX payroll card. I retired and have kept it and now my XXXX XXXX XXXXXXXX is loaded onto it each month. I usually get paid on the XXXX every month but received it early for XX/XX/year>. 

On XX/XX/year>, {$500.00} was transferred from my account to something called XXXX. On XX/XX/year>, another {$500.00} was transferred to XXXX. I did NOT authorize these transactions. I do not know who the sender is and did not attempt a transfer of any kind to XXXX. It appears XXXX is a money transfer service to XXXX! I do not know anyone in or from XXXX. This is 100 % fraud. 

I reported the fraud on XX/XX/year> which was the first I logged in to check my balance. I reported it immediately and locked the card and ordered a new one. I changed my password and PIN #. I filled out the claim form requested and faxed and emailed it back to them on XX/XX/year>. 

I called today to check the status and they denied the claim!! They said because the money was already picked up. I never authorized a transfer. I still have the card. I have never let anyone use my account. Please help. This XXXX check pays my bills and I am never going to recover from {$1000.00} loss. 

The company has now had me on hold an hour and I'm sure will not answer. I asked for an appeal and to speak with the fraud department. I have been on hold ever since. I have set up an account with another bank for future social security deposits.
Product: Checking or savings account

I reported the card stolen and disputed each transaction and the reversed the credit and wont let me dispite anything. In the amount of XXXX and XXXX. Then begining on XXXX XX/XX/XXXX i began reciving errors and triple charges on every transaction and they dont allow to disp dispute online and I do not have the time 2 wait on hold and deal with customer service on the phone 4 hours a day for me how to dispute every single transaction as they go along day by day they violated my trust and I don't want to use them anymore now my they drained my account with these errors and have a negative balance of {$540.00} already now the {$440.00} from XXXX was a stolen car someone stole the rental and they reverse that credit to I don't want to deal with them anymore I don't want to use that their bank account anymore I don't trust them now I have a negative balance that has repercussions going to my credit and check systems Etc which is erroneous and violation of the laws a protections that we have I guess this type of behavior which is predatory it seems like every night something else is going on on my account and if I don't check it every single day I won't catch it is Bank of America that I'm talking about
Product: Credit reporting or other personal consumer reports

Experian has repeatedly violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct an inaccurately reported late payment on my credit report. My disputes regarding this error date back to XX/XX/XXXX, with my most recent dispute submitted on XX/XX/XXXXXXXX  Despite multiple attempts to have this issue resolved, Experian has failed to conduct a proper reinvestigation and has continued to report inaccurate information, causing significant financial and emotional harm. 


Account : XXXX XXXX XXXX XXXX XXXX INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX - 30 Past due 30 days - NEVER LATE XXXX XXXX 60 Past due 60 days - NEVER LATE XXXX XXXX XXXX XXXXXXXX INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX 30 Past due 30 days - NEVER LATE XXXX XXXX XXXX XXXX NEVER LATE ; INACCURATE ACCOUNT NUMBER ; INACCURATE PAYMENT HISTORY XXXX - 30 Past due 30 days - NEVER LATE XXXX - 60 Past due 60 days- NEVER LATE XXXX XXXX XXXX Charge off - Current / Terms met XXXX XXXX XXXX Charge off - Current / Terms met Experian violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy before reporting the late payment and 15 U.S.C. 1681i ( a ) by neglecting to conduct a reasonable reinvestigation within the legally required timeframe. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), Experian was required to delete or correct the inaccurate information if it could not be verified, yet the erroneous late payment remains on my credit report. Further violations include 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that Experian notify the data furnisher of my dispute within five business dayssomething it failed to doand 15 U.S.C. 1681n & 1681o, which hold Experian liable for willful and negligent noncompliance, resulting in financial losses and emotional distress.

Due to these violations, I am entitled to statutory damages of up to {$7000.00} for multiple FCRA breaches, in addition to actual damages resulting from higher interest rates, potential loan denials, and the stress caused by Experians refusal to correct its reporting errors. Furthermore, Experians actions constitute unfair or deceptive business practices under the Tennessee Consumer Protection Act ( Tenn. Code Ann . 47-18-104 ), making it subject to additional penalties and damages.

I demand the immediate deletion and correction of the inaccurate late payment, along with written confirmation of the correction. Additionally, I request compensation for damages caused by Experians noncompliance. If this matter is not resolved promptly, I will proceed with legal action in XXXX XXXX XXXX XXXX to seek the maximum statutory damages, actual damages, legal fees, and any other relief permitted under federal and Tennessee law.
Product: Debt collection

I received a collection notice from this company on XX/XX/2016 claiming I owe them {$980.00} and they 're attempting to collect this debt on behalf of XXXX. I called XXXX and confirmed with them 3 times that I did not have any type of account with them. I placed a call to this collection company where they immediately asked me for my social security number which they hung up on me when I refused to give it to them. Since I have never opened an account with XXXX nor was I ever a customer with XXXX I came to the conclusion that this is a scam. I have since sent a debt validation letter to this company with a return receipt request.
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 XXXXXXXX Account Number : XXXX has violated my rights. Or 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 rightfully paid Santander consumer USA using a Bill of Exchange in accordance with the uniform commercial code. It was initially accepted. I have proof that it was accepted through my statements and a letter from Santander Consumer USA showing the account was XXXX  out and then a few weeks later they reversed the payment. Next I started receiving harassing phone calls and a lot of correspondences through the mail. I am suspicious that my information has been compromised in a recent report that I put in with the Federal Trade Commission concerning my identity. There was inaccurate reportings on my credit report numerous times recently from Santander Consumer USA after receiving more harassing phone calls.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I believe Experian failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX  XXXX XXXX  XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

I am aware that the CFPB recently filed a lawsuit against Experian for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, Experian quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. Experian did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. 

This lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. 

I request that the CFPB investigate Experian to ensure it is following the law and conducting proper investigations of consumer disputes. I also request that Experian be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my Coinbase crypto currency account was compromised. I immediately reached out to Coinbase and my banking institution to inform them that my account with Coinbase appeared to be hacked. My bank put measures in place to not allow a pending fraudulent transaction. Coinbase on the other hand has been virtually impossible to deal with. Coinbase first and foremost will not talk with me ( or any customer ) they are 100 % email only, so this creates some time urgency issues. Next, Coinbase allowed the " hacker '' to change the phone number and email on my account without any legal ID, which is very unusual in the case of secured online accounts as the email and phone are typically the proof of account ownership. I have literally sent Coinbase 20+ emails seeking resolution and explanation. After 48 hours I receive a reply that either asks me for duplicate information I have already provided or the reply email does nothing to move issue forward. I am no where closer to resolution and retrieval of my {$10000.00} in assets that Coinbase holds. I am more than frustrated at this point and really need some assistance in getting my account straight. I have recreated a new account per Coinbase request but the account has zero balance and my account balance was over {$10000.00} prior to this situation. I am unable to get any resolution on this matter. Please help, I would be more than happy to provide all emails I have provided to Coinbase and their reply or if needed I can better explain via a phone call. My cell is XXXX. Thank you
Product: Debt collection

I received a debt collection letter dated XX/XX/2019 from Hunter Warfield. 
The debt was identified as {$2000.00} from the original creditor of XXXX XXXX XXXX. Because I've never heard of the original creditor ( XXXX XXXX XXXX ) I sent a certified letter ( dated XX/XX/2019 ) to Hunter Warfield to dispute the debt and ask for an accounting of how this amount was determined.

Hunter Warfield replied via a letter ( dated XX/XX/2019 ) stating that they were not required by law to provide that information.
Product: Debt collection

NCB Management Services Inc appeared on my credit report this this past year as a collection stating that I owed {$3600.00}. The original creditor was XXXX ( which I think may be a payday lender ). The loan was for around {$3500.00} in which I paid every 2 weeks a large sum with very high interest rates ( 3-400 % disguised as FEES ). I paid approximately 1/2 the loan off and when I asked to re-borrow the extra debt was added to my balance but I never received the the extra funds. So I stopped payment. When I saw this collection on my credit report I called XXXX XXXX XXXX  XXXX was told they were only the financier and then I called XXXX but both said they have nothing to do with the loan. So I called NCB and asked for a compromise and we agreed to {$1200.00} payment and deleted from credit report. But they would not send me a letter stating this and I have found debt collectors to lie. So I filed with the XXXX  offering to pay {$500.00} and removal from credit reports, but this has not solved the problem either. How did the balance get to {$3600.00}?
Product: Credit reporting or other personal consumer reports

This is numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX has closed my XXXX, XXXX, and XXXX XXXX without notice. They stated it was due to inactivity. They have currently suspended my credit line with XXXX XXXX and insist that they must do a hard inquiry in order to reactivate my credit line, or it may close the  account. 

Responsible credit usage should weigh more than the number of inquiries on ones credit report. As it is a car deal had run multiple credit inquires for a purchase of a vehicle bringing my credit rating down. I have been actively trying to keep my credit clean of any lates, always pay on time, and this is how XXXX is rewarding it's users.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681c- ( a ) ( 4 ) Except authorized, NO CONSUMER REPORTING AGENCY may make any consumer report containing accounts placed for collection or charged to profit and loss. I have the list of Accounts that I will post here! ( XXXX XXXX  XXXX account # XXXX but for XXXX showing account XXXX XXXX which is also INACCURATE REPORTING ) I am Attaching identity and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries by XXXX XXXX on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian started reporting XXXX as a Derogatory Account on my credit file in the amount of {$300.00}. 
Police report and information that the following account was opened due to indentity theft was sent XX/XX/XXXX to this consumer.
Product: Credit reporting

Every year I get trouble to order my free credit report from Experian After I input my name, date of birth, social security number and address I 'm getting this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 

XXXX, GA XXXX And this is a common issue I see with people online on forum. 
I tried and asked other friends to try and they get similar error. 
I wish all credit bureaus would make this process more smoother.