23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Product: Debt collection

I 'm disputing with the CBE Group/XXXX XXXX because they are currently reporting a fraudulent account onto my credit reports XXXX XXXX and XXXX. Please assist me in getting this debt collector to stop reporting and to stop contacting me regarding this account. 
ID Theft # : XXXX. 
XXXX account number reporting : XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by XXXX app to send cryptocurrency roughly {$5000.00} at a time for many times since XXXX until XX/XX/year>. Please see attachment for more detail.
Product: Credit reporting or other personal consumer reports

Financial institutions made inquiries which were not initiated by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and reported on my credit reports, XXXX, XXXX XXXX XXXX I have contacted each by phone and informed them that these requests were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX I received text stating there was a problem with my account. I called them 3 times that night. At XXXX XXXX I called and after going through the verification of my identity he tried to transfer me to risk management because they are the only ones that can unlock my account. He could not and asked me to call back. I called back at XXXX and went through the process again. She transferred me and after aroung 18 minutes I was disconnected. I called back at XXXX and the same thing but I was on the the phone for a total of 26 min before I was disconnected. I decided to wait tilll morning to calm down. I called at XXXX the next morning ( XX/XX/XXXX ) .After being on the phone for another 26 minutes I was told I had to hang up and they would send a texted to tell me what to do. 
They sent me a text asking me to send a copy of front and back of drivers license. They sent an e-mail stating could not verify with that information. They want me to send them a copy of Soc Sec card, bills, and other things I dont feel comfortable giving them. I am lock out so I cant check balance or what has been changed. At this point I requested they send any balance to the bank account that has been linked to the account for the last 2 years. They cant do that. I had a XXXX XX/XX/XXXX and I get confused easily and its hard to understand them. I just want my money and Ill be done. I know about how much that should be within {$20.00}.
Product: Debt collection

Cavalry Portfolio Services has placed a collection record on my credit account for a debt that was discharged and is not owed by me. They have also left messages on my phone vaguely threatening legal action in an attempt to collect a debt. The reported collection has negatively affected my credit.
Product: Student loan

The school XXXX XXXX XXXX close down in the middle of getting a certification the school lied and said that they were Having financial issues and ensuring us students that we will graduate and receive certificate but the school bankrupt in the middle and I was left without the education and stuck with heavy fines and fees which were XXXX XXXX at the time it was sold to another lender whom I dont have a agreement with because I did not get the loan though them so I have two issues one the loan was sold so I owe nothing because the agreement was with XXXX XXXX and two the school close and filed bankruptcy so I did not receive the education need to graduate and all I get it grive and talk down to from the new lender that I should stop trying to fight it which I will not because this is unjust and not fair I just want it removed off my credit
Product: Money transfer, virtual currency, or money service

Start form XXXX XXXX to XXXX, I had wire to Coinbase account in City Of XXXX XXXX, XXXX  XXXX. To invest in XXXX. With total of {$120000.00} I used the XXXX XXXX  to wired {$120000.00} to Coinbase , Inc. After I wired them in to the Coinbase account and I have to transfer it to Coinbase wallet, from here the scammer withdrawal my fund. The scammer who is locate in the Coinbase wallet, keep directed me around with all these fault information, After I want to withdrawal my fund. They asked the pay for capital gain tax too. I was confused, because this amount is all my principle, I don't make profit yet. They keep push the send more money in. I have to put my business for loan, my house, my credit all in it. Finally, I can not withdrawal my fund either. After that they shup off the website. 
At that same time XXXX XXXX  sold the business to XXXX XXXX  taken over. 
The Scammer also asked me to use other bank account to wired the fund in to. With their direction, I was open other account with XXXX XXXX, and wire in ton them with total amount is {$20000.00}. 
The total is {$140000.00} to Coinbase , Inc . The Coinbase wallet let the scammer taken all my fund. 
I contact these banks to inquiry to return all my wired, they keep came back " Nothing they couldn't do to return my wired. The beneficiary bank wouldn't reply and said that these are closed. '' I were thinking without the XXXX XXXX, XXXX XXXX  and Coinbase , Inc . I should all my life saving fund. The situation I am in now financial hardship. 
I do believe in the bank system and Coinbase , Inc to protect their customers ( me, ). 
They do have the licenses to operation the business and should protect their customer NOT PROTECT the scammer. 

I request the Banks And Coinbase, Inc solve the situation for me as soon as possible. 
These Banks and Coinbase , Inc should knew where the scammer are. 

Sincerely XXXX XXXX
Product: Mortgage

I recently refinanced my home mortgage, and the new loan funded on XX/XX/XXXX. The payoff statement from my old servicer, Specialized Loan Servicing LLC ( SLS ), was from XXXX through XXXX. Since the new loan funded on XX/XX/XXXX, SLS owes me an interest refund from XX/XX/XXXX through XXXX. I spoke with SLS on XX/XX/XXXX, and their representative confirmed that my interest refund from XX/XX/XXXX to XXXX was in process, and a check would arrive by the end of XXXX at the latest. It is now XXXX, and I have not received a check or any further communication from SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.
Product: Money transfer, virtual currency, or money service

Was with bank of America for years and was having XXXX  problems and I'm with XXXX XXXX for years and having problems with XXXX also
Product: Credit card or prepaid card

My complaint is regarding a recent dispute with my XXXX credit card with Barclay 's bank account ending XXXX the case number they provided me is XXXX purchase dated XX/XX/XXXX merchant XXXX XXXX dispute amount {$190.00} my complaint first off is i ain't Happy with how my dispute was handled the card company is going in the favor of the merchant because of them providing a tracking number that the item was recived how ever i never said the item was not received my disputed was for a different reason the item was damaged and was not new has described and i noted too the dispute represented on the phone that i did try too reach out too the seller and the seller was not responding back i understand the seller can contested this dispute how ever when this XXXX   tv was purchased from this seller on XXXX over the internet i never saw the merchandise intill it was delivered this seller has had many complaints from other customers of not receiveing merchandise or them sending items that are not working and not has described maybe XXXX or XXXX let fraudsters on there site but my credit card company is supposed to be there to protect my account information and when a purchase is made using my card online and if a seller is trying too committed possible fraud or not following through with services that are promise they need to take that serious the reason why i was not able too return item is the seller choosing too not respond too my messages and the thirty days too return the item of what was stated in there ad on XXXX  can't be done now all returns have too go threw XXXX and with the merchant not working with me in the first place and XXXX won't let the item be returned and me serious suspect potential fraud by the merchant and concerned whether my account information is truly protected against potential fraud when making purchases over the web or when a merchant on a site like XXXX or XXXX is there ripping people off i note this purchase was made on eBay but my credit card was process by XXXX but Barclay 's bank needs too handled this dispute seriously with it being made online and seriously listen too customers and this dispute needs too be resolved the right way
Product: Checking or savings account

InXX/XX/2022 I had filed a dispute with my bank account due to not receiving a product that i had ordered, after having explained that to the initial company I placed an order from they told me that to them it said it was delivered so they wouldn't be able to do anything for me, after contacting the company i contacted the bank and addressed this issue with them i also informed them that i could provide with security footage proof if needed to help my case and asked them to please let me know what they needed from me in order to complete this claim, I was credited the total amount of the purchase which was {$2100.00}, filled out the paperwork needed and then submitted it to the bank, after over 4 months of not hearing anything from the bank or being communicated if anything additional was needed i then got the full amount from my bank account reversed as well as several transactions that were fraudulent were being addressed, I then proceeded to call the bank and ask them for resolution or to open the case back up so ui can submit whatever was missing however they denied me and said they made up their mind and that the company I ordered the product from said they had a signature i then asked for signature proof and they dismissed my request and said they are not able to do anything for me and i had to figure it out with the police, I have been very frustrated because I dont even live anywhere nearby the area in order to do that, not only that i was told by the police department that due to the time that has passed they could not do anything, I have tried my hardest to be patient and as cooperative as possible but no one is helping, i contacted the bank multiple times to address the case and received a call back after being told i would for about a week and was told " we are sending paperwork out thats all were able to do '' not only did i not receive the item i ordered, I also got my money taken out without any form of communication, I simply want my money back because i have bills to pay and a child to feed however they are in no way trying to help or do anything about it.
Product: Credit reporting or other personal consumer reports

I am Writing to dispute the following accounts on my Experian Credit report, Which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ). Fraudulent Accounts : XXXX XXXX XXXX XXXX  Account : XXXX Balance {$380.00} XXXX XXXX XXXX XXXX Account : XXXX Balance {$460.00} XXXX XXXX XXXX XXXX  Account : XXXX Balance {$460.00} XXXX XXXX XXXX Account : XXXX Balance {$760.00} XXXX XXXX XXXXXXXX XXXX  Account : XXXX Balance {$490.00} XXXX Account : XXXX Balance {$1000.00} XXXX XXXX Account : XXXX Balance {$890.00} XXXX Card Account : XXXX Balance {$7200.00} U S DEPT OF EDXXXX Account XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX Account : XXXX Balance {$1800.00} XXXX XXXX XXXX Account : XXXX XXXX {$700.00} XXXX XXXX XXXX Account : XXXX Balance {$1100.00} XXXX XXXX XXXX Account : XXXX Balance {$390.00} XXXX XXXX XXXX Account : XXXX Balance {$610.00} XXXXXXXX XXXX XXXX  Account : XXXX Balance {$380.00} XXXXXXXX XXXX XXXX  Account : XXXX Balance {$460.00} XXXXXXXX XXXX XXXX Account : XXXX XXXX {$910.00} XXXXXXXX XXXX XXXX Account : XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX Account : XXXX Balance {$1100.00} XXXX XXXX XXXX  Account : XXXX Balance {$890.00} XXXX XXXX XXXX Account : XXXX Balance {$760.00} XXXX XXXX XXXX  Account : XXXX Balance {$520.00} XXXX XXXX XXXX Account : XXXX Balance {$540.00} XXXX XXXX XXXX  Account : XXXX Balance {$940.00} I request the immediate removal of these accounts under the FCRA, Specifically 15 USC1681e ( b ), 15 USC 1681s-2, 15USC ( 5 ) and 15 USC 1681 c ( c ). Furthermore as per Law 605 B, These fraudulent accounts should be eliminated from my credit report. your company is under scrutiny due to a recent lawsuit filed by the Consumer Financial protection Bureau ( case name : Consumer Financial protection Bureau v. Experian Information Solutions , Inc ) This lawsuit highlights Experians failure to conduct proper investigation and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian addresses this matter in accordance with the FCRA I appreciate your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these fraudulent accounts under from my credit report. Thank you for your time and cooperation.
Product: Debt collection

I have disputed repeatedly a collection for medical services that are NOT MINE. The collection agency keeps responding stating it is mine, their letter dated XX/XX/XXXX. I sent a certified letter dated XX/XX/XXXX, return receipt received, asking for written verification proving this service was approved and  rendered to me. They replied with a generic letter simply stating the charge was not mine refusing to provide the proof I demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

Having reviewed my credit report, I detected fraudulent accounts that did not arise from any error on my part.
Product: Debt collection

First Federal Control shows up on my XXXX credit report several times as my owing them funds that was discharged in a chapter XXXX bankruptcy. 
Please see that they also show up as unknown just to report to the credit bureau, XXXX, to make my life horrible. 

Section 609 of the CFRA states that the only debts that should be reporting on my credit report are those that have been accurately verified. 

They should not be showing up at all as this debt was dismissed via a chapter XXXX bankruptcy back in XX/XX/2015. 

Also these are unverified debts which have also exceeded the statutes of limitations for the state of Ohio.
Product: Mortgage

My Loan was transferred from Nationstar Mortgage dba Mr Cooper to another mortgage servicer on XX/XX/2023 and they are reporting incorrect information to the credit bureau. I made an agreement with Mr Cooper in XX/XX/2023 when I lost my job and they offered forbearance. My loan was paid on time and through XX/XX/2023. I was assured because I called and we have this deal, my credit would most likely not be affected. 
I was hesitant to sign because I was not late when I reached out to Mr Cooper with full intentions on paying my obligations. 
As agreed, I caught up on my loan payments on XX/XX/2023 and I was back on track. 
Mr Cooper is not only reporting my late payments, which is against the agreement I signed under duress, but also reporting in XX/XX/2023 I was 60 days past due, then 90 in XXXX, etc. 
I don't believe this is correct - not only did they lie about not affecting my credit, but they also began reporting at sixty days, not thirty.
Product: Credit reporting or other personal consumer reports

XX/XX/year> a letter was sent to Experian discussing a few collection that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries from my credit report they are fraudulent. See Attached FTC Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/year> XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/year> XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, TN XXXX Date of inquiry XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

I do not have a credit report on the credit bureau. I do not have a credit score and I have a mortgage that is not listed on my credit report, but is on my son 's. My house was purchased in XXXX and his house was n't purchased until XXXX.
Product: Checking or savings account

My debit card was stolen in XXXX XXXX was told acct would be credited. Wells Fargo reversed the decision and refused to help me and closed acct.
Product: Debt collection

Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # [ XXXX ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). 
Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law
Product: Debt collection

I realized upon pulling my credit report that XXXX XXXX XXXX reported {$430.00} as an overdue electric bill from XXXX on XXXX XX/XX/XXXX. I have never received a bill or notification prior to seeing this on my credit report. I filed a dispute with Experian and after two days received an email that my dispute was resolved. When I checked the report it only noted that account had been updated. No information was provided by XXXX, but they are still reporting it as a collections account. I called XXXX and made it clear that I do not owe this debt and after still trying to get me to pay it just to get if off my report I was told by the agent that they had no proof of ownership of the account, but they could request it. The XXXX agent also stated that its unlikely anything will change as we are just two people working against the XXXX XXXX XXXX. At this point, I feel that a company was allowed to add something to my report without any proof the account even belonged to me and there is no reasonable checks and balance in place by Experian that allows for me to contest the account. Experian only offers the ability to challenge if again with additional documentation since the account isnt mine, I dont have additional documentation. I need help with this please! It is impacting my security clearance as a military member.