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

I have a Coinbase.com account for my Bitcoin. I had a message saying that I owed {$200.00} for a transaction I had done when I just buy and transfer the Bitcoin so any transaction I do the money comes out right away. Even if its wrong or if Im mistaken I dont care about the {$200.00}, which they took out already, I just need to be able to unlock my account. Its been weeks and I need my money to live on I cant pay my bills. I sent dozens of messages and nothing has been done please help. Also I hope my Bitcoin hasnt been frozen bcuz it has gone up significantly and I dont want to not get the profit on my funds bcuz of them locking me out of my account and be unreachable
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested since XX/XX/2018 that XXXX provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by XXXX as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at XXXX Credit Bureaus. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. I am asking for your immediate assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX
Product: Credit card or prepaid card

I applied for an Avant Credit Card approximately 2 months ago and was approved for a credit limit of {$1500.00}. Since Ive had the credit card Ive paid off an annual fee on it and Ive made small purchases and paid off the card. I was planning on using the card on an upcoming vacation and found that my credit limit decreased by {$1200.00} to {$300.00}. That is not the limit I applied and was approved for and I havent used the card except for the last few days of XX/XX/2022. I was at a store and found out my limit was decreased while paying for my purchase which caused me undue embarrassment emotional distress and shame because I havent missed a payment and my credit score in is in the high XXXX around XXXX. Ive called the company twice and the representatives were very hostile and rude and would not explain the reason for the decrease and Ive asked to speak to management. Can someone please help me. Thank you.
Product: Money transfer, virtual currency, or money service

I fell victim to an on-line scam. My computer was co-opted and I had XXXX address acting as me. I contacted XXXX and they confirmed and told me to check my bank account. I did and saw a withdrawal that was pending that I did not authorize. When I called what I believe was the Chase Customer Service line they convinced me they were Chase Representatives. Then then proceed to convince me to fall into the most obvious fraud and go to Chase Bank and send a wire transfer of {$7000.00} to the following XXXX XXXX  and XXXX Account # XXXX, routing XXXX. Address XXXX XXXX XXXX, XXXX XXXX, XXXX, Tn XXXX. Beneficiary address XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Name of beneficiary is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX.I wire transferred {$7000.00} to this entity and then determined it was a fraud. Their contact # is XXXX. They continued to call for days, every few hours. I said I was now unavailable. I remain in contact with the real Chase and will be going to the bank office to see how to protect my account going forward.
Product: Credit reporting or other personal consumer reports

Heres your customized dispute letter : XXXX Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S. Code 1681o ) To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed the following accounts are inaccurately listed as mine : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX : {$800.00} XXXX. XXXX Account Number : XXXX Amount : {$1000.00} These accounts are not mine. I have never opened or authorized these accounts, nor have I received any certified documents or agreements bearing my signature to verify their validity. The reporting of these accounts is incorrect and has negatively impacted my credit score.

Under 15 U.S. Code 1681o, credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Negligent noncompliance with this responsibility can result in liability for damages to the consumer. I am requesting that you : 1. Conduct a thorough investigation of these accounts under 15 U.S. Code 1681i.

2. Provide me with written confirmation of your findings within the legally mandated 30-day timeline.

3. Remove the inaccurate information from my credit report if it can not be verified.

Please note that the presence of these accounts is damaging my credit score and causing unnecessary hardship. If this issue is not resolved promptly, I am prepared to take further legal action to protect my rights. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and keep me updated throughout your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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: Debt collection

previously filed a complaint against vervent claim number XXXX and on XX/XX/XXXX i recieved a letter by email from a student loan servicing agency posing as first associates loans and when i called them they said they never had anything to do with vervent. Either they are trying to scam me, or vervent is a scam. It appears that they are related when i did research on line that they became vervent. Something is wierd. The phone number for this apparent fist associates loans is correct to reach someone, however the email and the address are not valid. I think this report that is on my XXXX report related to vervent, which i thought had something to do with first associate loans are related. I previously had a loan with first associates, but filed and had it dicharged in my bankruptcy. It is imperative that this be removed from my credit if they are related, this is not even a valid debt. I delt with first associates in the past and this company did not appear to be like they were before. They asked for my personal information to look me up and couldnt find me, then told me to call back later that maybe it was a glitch in their system. I asked to speak with a supervisor and they transferred me to someone who referred me to the email adress, so they could help me there. THese people have my personal information now, and couldnt even find me in their system and the guy was studdering alot. I think this is scam and it may be related to vervent. I havent heard from first associates in years and they are not on my credit. The last time i spoke with them i sent them my bankruptcy information and thought this was taken care of. It seems kind of strange that they would reach out to me within a few weeks of me bombarding vervent with phone calls and emails and not hearing back from anyone. Just to be clear, i have not heard back from vervent and i have filed with the attorneys general office as well as the federal trade commission and i will do the same with this. THis was my claim number with the XXXX They letter did not include amount owed or acct number and was written sincerely customer service. very vague letter.
Product: Debt collection

I became aware of this fraudulent account in XX/XX/2020 I notified the original creditor but I was unsuccessful with resolving the fraud with them then send to a collection company which in turn has selected a attorney and proceeded with litigation. I've notified the attorney and I have not heard from them with any results of their investigation.
Product: Debt collection

I have a complaint against IC Systems Inc in XXXX XXXX Minnesota they're collecting on a XXXX debt I have a letter from XXXX which states if I return my equipment they would not pursue any collection I returned my equipment and now here I have this collection on my credit report I sent that letter to the company as well as XXXX  and they are still leaving it on my report a 2nd problem I have is they say i opened this account in XXXX which I did not it was XXXX also the collection has it as opened in XX/XX/XXXX none of that is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with Fair Credit Reporting act XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States I have the rights to privacy.

15 U.S.C 1681. Section 604A section 2. It also States a consumer reporting agency can not furnish a account with out written consent with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  : XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Equifax : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, 2016, I contacted National Credit Adjusters to clarify the phone calls I was receiving from a company called XXXX XXXX. At first the person who answered Identified herself as an operator but that she also was a debt collector. She had a very raspy voice. When I tried to explain myself she stated " did they call threatening to take you jail. that was n't XXXX that was someone else as XXXX would not do that. '' I explained that I just wanted to know if I really owed this debt and was entitled to documentation to support owing the Debt. At that point she told me I had XXXX accounts in her office that was being services by XXXX XXXX and XXXX XXXX. She told me that a XXXX debt from XXXX was still in their office but the person was gone for the day. I then told her that 's why I was asking for verification as the same debt I am currently in agreement with XXXX XXXX XXXX XXXX for payment. I also asked her to send my letters to verify my paid in full status of accounts I previously settled with National Credit Adjusters but never received. She became belligerent saying I was not being cooperative. I tried to explain that I was only trying to get to the bottom of who and I owe she stated " XXXX I do n't have to put up with your attitude I am ending this call '' and hung up in my face.
Product: Debt collection

On XX/XX/18 I received a letter from NSA, North Shore Agency. This is a collections agency demanding delinquent payment owed to XXXX XXXX XXXX. The letter was dated XX/XX/18. 
I did not order this magazine and spend over 40 minutes trying to contact them. All of the phone numbers forwarded me to automated answering machines or left me on endless hold, finally inviting me to leave a message, but with no promises that the message would be received. 
I never enrolled in a magazine subscription of any kind. I do not owe this debt and will file a complaint with the US Postal Service as well as this is mail fraud. 
I filed a claim with the Federal Trade Commission and the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against XXXX XXXX in XXXX XXXX, Texas, and National Credit Systems for attempting to collect a debt that I do not owe. On XX/XX/year>, a court judgment was rendered by Precinct XXXX in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, stating that my husband XXXX and I, owe XXXX legal fees and XXXX rent to XXXX XXXX  ( Cause No. XXXX ). Despite this clear court ruling and a subsequent Cease and Desist Letter sent to XXXX Apartments in XXXX of XXXX, XXXX XXXX has sent my account to National Credit Systems, which is now attempting to collect rent for the remaining months of my lease after I was evicted. 

This action violates the courts judgment and constitutes an attempt to collect a debt that has been legally settled. I believe this violates the Texas Debt Collection Act ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibit deceptive or unfair practices in debt collection. 

I have contacted XXXX XXXX  and National Credit Systems to dispute this debt and provided them with a copy of the court judgment. However, they have continued their collection efforts, causing undue stress and significant, demonstrable financial losses and damage to my credit report. 

I am seeking the CFPBs assistance in having this invalid debt removed from collections and to stop any further collection attempts. 

Details : Name of Original Creditor : XXXX XXXX  Location : XXXX XXXX, Texas Cause Number : XXXX Court Name : XXXX XXXX, Texas Precinct 3 Justice of the Peace Date of Judgment : XX/XX/year> Amount of Debt : {$0.00} as per court judgement