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

This complaint involves fraud. The company is COINBASE. Between XX/XX/XXXX and XX/XX/XXXX, I deposited {$3300.00} through my XXXX XXXX checking account. The email I used was XXXX. The problem began when I had to change my email address. That account literally disappeared.. Coinbase says they have no record of that account. I have tried EVERYTHING I can think of. I have spent many hours trying to resolve this. I have XXXX XXXX bank statements to verify my deposits.this is an urgent plea for help. I have already contacted the SEC and the FTCnobody can help me. This is FRAUD!. 
Please be advised that the mere sending of my comments to Coinbase will not help me in getting my money back. 
Thank you for anything you can do to help me! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my attempt to get this matter resolved. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. 3 credit bureaus have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed accounts that are reporting to my credit file held with the 3 credit bureaus. These accounts were opened negatively. I informed them of the issue & provide them with the required documents to correct the accounts via FCRA Section 605b. They have failed to correct the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts to be corrected from my report ASAP. I want you to correct the following accounts immediately : XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I review my credit report regularly, but this time, unexpected errors appeared. I even tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Due to this, I request a thorough review of the documents I provided to ensure I wont have to deal with this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an XXXX in the XXXX XXXX XXXX XXXX, who informs me that the information YOU have verified as accurate was INCORRECT. 
Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX showing on my credit report. I never had any accounts with XXXX XXXX but it is on my transunion credit report. I don't know what it is but it is not mine.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

account no. XXXX Westlake Financial for the amount of XXXX. 


Dispute of Unauthorized Disclosure of Information Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure of my personal information by your agency, as outlined in 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that you have furnished or obtained my information without my explicit written consent. 

As per the FCRA regulations, it is imperative that any agency seeking to obtain or furnish an individuals credit information must first obtain written consent from the said individual. I wish to assert that I have never provided written consent to your agency to furnish or obtain my personal information. 

This unauthorized disclosure of my information not only violates my rights under the FCRA but also poses a significant risk to my privacy and financial well-being. I demand immediate cessation of any further disclosure or obtaining of my information without my explicit written consent. 

Furthermore, I request that you conduct a thorough investigation into this matter and provide me with documentation demonstrating the written consent I purportedly provided for the disclosure of my information. If you are unable to furnish such documentation, I expect a prompt correction of my credit report to remove any inaccuracies resulting from this unauthorized disclosure. 

Please acknowledge receipt of this dispute letter within the timeframe prescribed by law and inform me of the steps you will be taking to rectify this situation. Failure to comply with the FCRA regulations may result in legal action being pursued against your agency. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry Nature of Dispute : I don't recognize none of these accounts and they're hurting my credit score. Please remove!

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute any inaccuracies on my credit report, and you are legally required to investigate and resolve my dispute in a timely manner. The law mandates that you investigate my claim within 30 days of receiving this dispute and correct any errors that may be found. 

I request that you please conduct a full investigation into this matter and update or remove the inaccurate information from my credit report. I also ask that you provide me with the results of your investigation in writing, including any actions taken. Please review this evidence and amend my credit report accordingly. If necessary, I can also provide additional documentation to assist with your investigation. Thank you for your prompt attention to this matter. I expect to receive a response within the statutory time frame of 30 days. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up auto pay with XXXX XXXX they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with Experian but XXXX XXXX did not remove the pay off closed account off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of XX/XX/XXXXsec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For XX/XX/XXXX, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For Equifax : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my XXXX  file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. XXXX  has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. XXXX  is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, XXXX  had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this.

Specifically For XXXX  I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXXXX/XX/XXXX XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}
Product: Debt collection

Was sued by XXXX XXXX. Contacted office twice for proof of debt and who originally had the loan. Twice they mailed a copy of the default judgement. They refuse to provide any proof of what this debt was for, who original owner of debt is, and amount. I disputed this through XXXX and it was removed. However, XXXX XXXX Court is still showing that it is not satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of making a big purchase and I noticed there are several accounts on my credit report that I have never opened
Product: Debt collection

I am currently working with XXXX XXXX XXXX to work on paying this account. They call at least 5 times a day, usually late at night and during all hours of every day, even during the weekend. They have called my brother ( XXXX from XXXX on XXXX-17 ). This is unacceptable and I am unsure why they are calling my sibling, regarding my account,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report.

I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX, and I am pleading with you to remove them immediately.
Product: Credit card

When I signed up for a Macy 's credit card through XXXX XXXX, they put in the wrong address. It was highly challenging to contact them over the phone and took four attempts to get somewhere. I finally spoke to someone who said she would excuse the late fees and interest because I could not pay the card since it went to the wrong address. I paid the entire card off and closed the account. However, I received a notice that I owe {$140.00} and I can not get ahold of them again. So I felt it would be best to report it. I made it very clear that I could not pay it and I had trouble getting ahold of them and they agreed to waive all related expenses. This is shameful and unethical on XXXX XXXX to lie to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has not removed negative information about my bankruptcy. I 've contacted transunion on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit report.
Product: Debt collection

XXXX XXXX XXXX Account Number XXXX  According to my credit report, XXXX XXXX XXXX has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ).

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from XXXX XXXX XXXX, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes.

Moreover, I believe that the lack of documentation from XXXX XXXX XXXX may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file.

In light of the above, I kindly request that you investigate the matter and ensure that XXXX XXXX XXXX provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations. 

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
Product: Student loan

Hello, I have been on the XXXX plan since XXXX. I should have only accrued about {$600.00} in interest between my in school forbearance and COVID forbearance. Despite being told my loan would not accrue interest, and if any was accruing, it would be waived, my loan accrued interest and interest has not been waived. I made a {$1300.00} to try to pay down my loan while no interest was allegedly accruing. The entire amount posted to interest which should not have been charged. Interest continues to accrue and none has been waived. I requested a refund more than one month ago and have not received anything.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to unknown accounts and transactions appearing that do not belong to me. This is extremely alarming and has been causing me unnecessary stress and frustration. These errors are not only damaging my credit but also making it difficult for me to move forward financially.
Product: Debt collection

XX/XX/22, XXXX XXXX  - received call/voice mail from unknown number ( caller id listed as Unknown ). Roughly, this is the vm as transcribed by XXXX XXXX XXXX XXXX : Hi, this is [ worried ] XXXX calling from GCC. Please contact me or any of our representatives at XXXX today until XXXX XXXX or any weekday from XXXX XXXX to XXXX XXXX XXXX XXXX 

I XXXX the phone number and it came back as Gulf Coast Collection. All the entries were pretty much the same as my voicemail. 

I did not call the number. I don't know what debt they could be calling about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried paying this account ever since I first opened it in XXXX of 2018. Every time I have tried to pay it online, I end up getting an email saying oops something went wrong and Avant reverses the payment I tried to make. I have contacted Avant several times at the beginning and they told me they have no idea why they couldnt process the payment and to contact my bank. My bank informs me there has never been a request for payment from Avant. After arguing with Avant for some time, they came up with the excuse that I have a stop payment in place preventing them from drawing funds. I contacted my bank and they told me this is not the case and theres no stop payment in place and they have NEVER received a request for payment. Avant refuses to accept fault and has ruined my credit over it. I have even sent them the chat messages between my bank and I. They refuse to accept any amount less than the balance with all sorts of frivolous fees theyve added on due to them refusing to accept my payment. I have tried for some time to resolve this with them and it seems as if theyre practicing fraudulent lending by refusing to accept my payment ( all the way from the begginning of me opening the account ) and racking on late fees they refuse to remove as well. This shouldve never been reported late to the credit bureaus and wouldnt have been delinquent if Avant couldve figured out their issues, accepted fault, and stopped trying to blame it on everybody else. This is by far the absolute worst company Ive ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this nordstrom account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.
Product: Credit reporting or other personal consumer reports

Student loan balances are incorrect. The balances for Dept of ED/XXXX  XXXX XXXX XXXX. Loans have been discharged totally.
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED FRAUDULENT OPENED ACCOUTS ON MY REPORT. I HAD A XXXX XXXX AND MY PERSONAL INFORMATION WAS COMPROMISED THAT SAME YEAR AND AGAIN DURING THE EQUIFAX DATA BREACH. I HAVE NOKNOWN KNOWELEDGE OF THESE ACCOUNT AND THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware of *These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no Nada. Please help me cause I'm taking this to the next level after this
Product: Credit reporting, credit repair services, or other personal consumer reports

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX Experian Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXXXXXX XXXX  Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation
Product: Credit reporting or other personal consumer reports

Capital One recently decreased my availability credit without my consent. After doing so my credit score dropped XXXX points which affects my overall credit score. This changed has impacted me during the purchase of a home. The credit card balance is XXXX at this time and has been for months. The credit card was used without my knowledge by an XXXX XXXX, therefore I had no knowledge of the purchase. Capital One denied increasing my available credit without allowing an explanation. I was advised by the loan officer to not spend at this time. This is unfair practice because of the algorithms are used to not recognize all circumstances, people of color, critical resolutions.