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

The business name is Coinbase, they proclaim themselves as financial services company. Coinbase is a trading platform for digital currency. OnXX/XX/XXXX I have opened an account at Coinbase, that process included identity check by faxing over my driver 's license and a picture of me. On XX/XX/XXXX I have purchased {$7000.00} worth of digital currency on Coinbase in the intent to sell it once it gains value. This company says on their site that they will not grant an access to the account if a person tries to log in to it from a restricted country ( XXXX ), however the access will be granted as soon as the person tries to log in to the account from non sanctioned country. On XX/XX/XXXX I was in transition in XXXX  ( XXXX ) airport and had an emergency happen, so I tried to look at my account at Coinbase to see how much money I could withdraw from it once I'm back on US soil. Understandably I was not able to log into the account because I was on sanctioned by the US politicians land. On XX/XX/XXXX I came back to the US and wanted to sell my assets from the Coinbase, however my account was locked. I called Coinbase about the problem and they told me to send an email to their support to unlock my account. I sent an email right away telling them to unlock my account. Im writing this email on XX/XX/XXXX and still response from Coinbase support. I call them every day for the past two weeks and their response that I need to send an email. The assets in my account have decreased by 70 % due to this fraudulent business.

First, my account shouldn't have been locked based on the information provided from Coinbase.

Second, I did not receive any response about my concern.

Third, the assets that I needed to sell onXX/XX/XXXX have decreased by 70 % which is a great financial burden on me and my family.

Fourth, there is no one at Coinbase wants to help me, I'm just stuck.

please investigate this fraudulent business and turn it in to the authorities so that there aren't others who get scammed by it.

Thank you, you may reach me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 45 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.
Product: Credit reporting or other personal consumer reports

I was looking at my report and I notice that there were some things that were not correct. I sent a letter to Transunion on XX/XX/year>. It has been more than 35 days since the credit bureaus haven't responded. This is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of in formation contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

American Education Services has been harassing me and my co-signers. They have given us misinformation, put a loan into default when there were timing payments being made and in general is grossly incompetent and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

XXXX ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX XXXX ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries, I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For almost a year now, I have been attempting to have AVANT/XXXX  removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a AVANT/XXXX  account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and XXXX continues to report this innaccurate information on my account. By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. - If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the AVANT/XXXX account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to be REMOVED!
Product: Debt collection

I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is once again it is Midwest Recovery System. This will be the 3rd time I have disputed this debt with CFPB and Midwest. Each time Midwest responds that the debt cant be validated and they send a letter of deletion to all 4 credit agencys. Now it has reappeared and also the same debt which originated from XXXX XXXX XXXX is on my credit report from Midwest and also XXXX XXXX XXXX. I was never notified because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason.
Product: Debt collection

Failed to provide any documentation as to the validity of dept, harassing phone calls unauthorized emails bombardment
Product: Credit reporting or other personal consumer reports

My report obtained on XXXX through XXXX shows account abuse reported by Bank of Americ on XXXX I did not engage in account abuse, the allegation is incorrect. I called XXXX to dispute and was informed their dispute process is determined by the financial institution and if Bank of America interprets account activity as abuse, even if it does so inaccurately, they will continue to leave it on my report. I spoke with many people at Bank of America in various departments such as fraud, recovery and the risc department and they all informed me that they will not accept disputes for information they report to XXXX.
Product: Debt collection

In the first week of XX/XX/2022, I received a credit alert and logged in to XXXX to discover there had been a fraudulent claim filed by Park Place Apartments located in XXXX, XXXX. XXXX XXXX XXXX had established a claim through ProCollect ( XXXX XXXX XXXX XXXX in the amount of {$500.00}. 

There are multiple issues with the collection effort. 
1 ) My family had not lived at XXXX XXXX XXXX for more than XXXX and a XXXX XXXX  before this claim was made. 

2 ) When we departed, there was no such claim made. In fact, the management did not return our security deposit at that time. Their reasoning was the carpet needed cleaning. ( The carpet was not stained, nor was it damaged. It was also not new ( as promised prior to moving in the year before ) 3 ) Management at XXXX XXXX had our phone numbers and email as well as knowledge of the forwarding address. Yet no notice was ever received regarding the subsequent claim for unspecified repairs. No such repairs were required either. 

4 ) ProCollect Placed a collection notice at the XXXX Credit Bureau prior to any attempt to notify me either. There was no telephone call or notice from the mail or by email. 

5 ) I filed a dispute with XXXX on the XXXX of XXXX l and they acknowledged it on the 8th. 

6 ) About the XXXX of XXXX XXXX notified me that they verified the debt. But provided no proof of it, which was requested in the original dispute. I had to call XXXX again to obtain contact information for ProCollect. It was not originally provided by XXXX. 

7 ) On XX/XX/XXXX I called ProCollect, and learned I could file a dispute through them by email, which I did. ProCollect did not respond to my email. 

8 ) On the XXXX of XXXX I received an email from a Restoration Specialist at XXXX in response to my second dispute which was escalated to that service about a week prior. 

9 ) Multiple attempts to communicate with the Restoration failed due to only connecting to voice mail. I'd asked the representative several time to use email as XXXX kept us from resolving anything. We never did speak. 

10 ) On the XXXX of XXXX, I received a letter from ProCollect informing me that the collection account had been canceled. There was no explanation provided. 

So, this complaint is about three separate issues. 

A ) Holding the management at the apartment complex accountable for filing a false collection claim. I've already checked with state and local agencies and none of them deal with this type of issue because it is not related to the purchase of a product! 

B ) Neither XXXX nor ProCollect ever responded to my request for documented proof of such debt. 

C ) As evidenced by B above, both XXXX and ProCollect should be held accountable for not verifying a claim before subjecting a consumer to a fraudulent collection effort. Credit bureaus should not be permitted to post and share such data without prior notification to the affected party. Nor should they be permitted to do so without valid documentation.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children. 

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of XXXX equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.
Product: Debt collection

I have a a unverified account from Credit Collection Services. I had previously disputed this account. I have never done business with Credit Collection Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Credit Collection Services purport I owe. I request that Credit Collection Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Credit Collection Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit card or prepaid card

My identity was stolen and credit cards were compromised. I reported this to BOA and the Delaware XXXX XXXX on or around XX/XX/XXXX. My BOA credit card was apparently linked to the theft 's XXXX XXXX account and he continued to charge on my account until XX/XX/XXXX at which time the actual card i was using was denied for a legitimate charge I was trying to make. I called BOA to find out why and was directed to the fraud dept. They asked me if I tried to make 2 large purchases at XXXX in XXXX  on XX/XX/XXXX. I said no, the fraud dept told me not to worry they had declined the charges, my account was secure and they sent me a new card. After the holiday on XX/XX/XXXX I contacted BOA again and found out the thief has changed my phone number, my email address and opened a checking account on XX/XX/XXXX as well without providing ID. He also made a {$2100.00} cash advance from my BOA credit card into the fraudulent BOA checking account he had opened in my name. He also had made thousands of dollars of charges that BOA failed to mention when I spoke to them on XX/XX/XXXX including {$1000.00} at a XXXX in XXXX  on XXXX XXXX and gas at a XXXX in XXXX, note that I never went to XXXX  and I told BOA that on XX/XX/XXXX. I then reviewed all charges with BOA and disputed to the best of my ability all charges that were not mine on XX/XX/XXXX. For unknown reasons, BOA denied my {$4100.00} dispute on XX/XX/XXXX and then on XX/XX/XXXX BOA charged me an additional {$1400.00} for no reason that anyone at BOA can explain to me. Since then they re-opened my original dispute, but went ahead and reported the full balance of disputed amounts plus the {$1400.00} charge to the credit bureaus which caused my credit scores to drop. I have tried to resolve this by going to the closest BOA branch in XXXX multiple times and I have called BOA and sat on hold with there fraud dept. every other day for 2-3 hours each time since then. To date nothing has been resolved or updated. It has been over 30 days since BOA realized there were fraudulent charges on my account.
Product: Credit reporting, credit repair services, 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 # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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

have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB along with credit reporting agencies are obviously not clearly understanding the fact that I have had to report this company over and over because they continue to report INADEQUATE information which is illegal on my credit report. The credit reporting agencies ( EQUIFAX, XXXX & XXXX simply contact XXXX and they report the information as validated when it is not accurate. CFPB has indicated that it is duplicated information when it is clearly not a duplicate if the company is still reporting erroneous information. 

I am resending a copy of the notification that I submitted that shows that what they are reporting is NOT accurate if someone takes the time to read what I am providing as documentation. XXXX reports that I owe a total of over XXXX which was initially been reported as a charge off. Now it is being reported as a delinquent account. 

The documentation shows that they originally stated that the amount owed was XXXX. XXXX reports this account as delinquent every month which should not occurs since this account was reported as a charge off.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXXXXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. XXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. XXXX, XXXX XXXX XXXX The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter.
Product: Credit card or prepaid card

B of A ( VISA-XXXX ) new card. XXXX 1. B of A never notified me of FIRST payment due by email or post, even though I called weeks before. Mailed bill arrives XX/XX/XXXX with payment due date XXXX XXXX {$110.00} interest for late payment 2. XX/XX/XXXX call. I asked interest to be reversed or I would close account. They would not reverse fee and I closed account by phone and paid off entire balance with associate by phone. I was told I could no longer access the account on-line but it was closed so no problem. Zero  balance. I understand/ accept their business decision 3. XX/XX/XXXX I received mailed statement showing overpayment balance of - {$9900.00} with my bank account debited XX/XX/XXXX. 
4. I call, 45 minute wait. talk to two agents, one supervisor XXXX ( ID : XXXX ). I explain the situation. He states the B of A algorithms are correct and there is no problem and money will be refunded, but he can not tell me when. " B of A will not pay any interest because their processes are ok. '' 5. I ask for interest for the money B of A borrowed from my account. he says " Good Luck with that. ''