23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Portfolio Recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 


Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 


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

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite several attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

It is unacceptable that despite multiple attempts to address this matter, the fraudulent items remain on my account. This recurring failure to effectively resolve the issue reflects poorly on your company 's commitment to customer satisfaction and raises serious concerns about the adequacy of your fraud detection and prevention measures. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to a car dealership about a year ago they ran my credit to multiple different people and I have multiple inquiries on my account from the auto dealership car XXXX stated that they were only going to do one hard pool for one they did multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted to Log into my Coinbase account while on vacation in XXXX on XX/XX/2017 and received notice that my account was being suspended pending evidence of my US residence. I immediately provided this evidence the very same day but, now more than 2 weeks later, I am still waiting for restoration of access or any sort of followup from Coinbase. 

The situation has been both frustrating and financially harmful, given the fluid nature of virtual currency trading and the need for a rapid response to price fluctuations.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer of {$100000.00} to Coinbase onXX/XX/2017 to invest in bitcoin. Coinbase 's website claims that deposit of wire transfer will automatically appear in coinbase account in 2 or 3 business days. However, it has been almost 8 weeks now, and the money still has not shown up in my Coinbase USD account, nor was it returned to my bank account. 

I have sent Coinbase several tickets and received replies which seemed to be automatically generated by computer. Those replies repeatedly claim that wire transfer will automatically appear in my account and ask me to close the ticket, despite the fact that I have never seen the $ XXXX deposited in my account! 

Six weeks later, on XX/XX/XXXX, after I threatened to file a complain on CFPB, I finally got a reply with a name signed at the end of the email. A support team member named XXXX said that he would work with a specialist on my case. My hope was up, I thought this would be solved finally. Yet almost two weeks later, my case is still not resolved and I have not yet received any meaningful response with case specific information despite my repeated request to them. The only response I got was one email which apologizes for the delay and asks me to reply if I still have not received my fund. Of course, I have not received my fund. I replied and still nothing happened till today! 

This has been a nightmare. $ XXXX is not a small amount of money, 8 weeks are enough for a simple wire transfer. Yet I could not even get any meaningful reply on my case from Coinbase. All the replies seem to be copied from a template or simply AI generated reply. I hope that my complain through CFPB will help me to get my money back!
Product: Checking or savings account

My debit card was used without my permission for {$460.00} on XX/XX/XXXX I filed a claim with Bank of America. I have also filed a police report with the XXXX XXXX police department. Case report number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Product: Money transfer, virtual currency, or money service

I sold a website to XXXX XXXX for {$1700.00}. As the beneficiary, XXXX XXXX  tried to pay me through XXXX XXXX XXXX XXXX on XX/XX/2022 and the fund ended up at Wells Fargo ( an intermediate ) on XX/XX/2022. Wells Fargo couldn't apply the fund due to my account 's limitation that I wasn't aware of at the time - wrong account type ( XXXX  doesn't allow international wires )- so it was returned to the originating bank, XXXX XXXX XXXX XXXX  on XX/XX/2022. Confirmation ( from Wells Fargo ) is required for the availability of this fund. XXXX XXXX XXXX XXXX claimed they have submitted several confirmation requests ( including follow ups ) but Wells Fargo isn't responding.
Product: Debt collection

I have previously told this company that the debt in the amount of {$130.00} is not mine and stems from fraudulently using my personal information. The company acknowledged my claim in the past but for some reason decided to once again place this amount of {$130.00} in my credit file/report at the credit bureaus. I have never had an account or did any type of business with XXXX XXXX. I have contacted Enhanced Recovery Company to inform it that this debt is not mine, however the company refused to pay me any attention or try to help me in this situation. Additionally, this company claims that I opened this account in XX/XX/2019. Not only is there inaccurate information, but this company directly contributes to the act of identity theft that was commuted against me by placing this debt in my credits file/report at the credit bureaus. It seems as though the company re-added this debt to my credit file/report in a sneaky manner and out of the blue, thinking that I would not notice.
Product: Credit card

Lately I 've been cleaning house of the unnecessary and decided it was time to just close my credit card accounts to avoid the balances continuing to rise although I knew I would never use them again. 
I knew it would take a long time but much less time than if I continue to watch them grow balances with the interest charged. 
Over just the last 6 months the balances rose by over {$1000.00} without using any of them. I would have closed them all out 6 months ago. 
I cancelled XXXX cards and I asked each and every XXXX of them if I can make my payment on line or by phone. Also will my payment go up or with this freeze the interest so I really work toward paying them down? These XXXX I would give acknowledgement to are XXXX, XXXX, XXXX. 
All XXXX said yes, it would freeze it and I could continue to make my minimum monthly payments if I chose to and I would see the balances decrease. 
Discover card has a different story. XXXX tells me that regardless if the card is open or closed, interest will still accrue at the same rate. 
How can this be true? I 'm am forever in debt to Discover card unless I get a big chunk of money to throw their way? 
Stealing, thievery, trickery, wrong and I 'd like someone to stop it please!
Product: Checking or savings account

I opened a CD with Synchrony on XXXX. I deposited {$200000.00} for 19 months to get a return of {$15000.00}. Upon maturity the only disbursed {$11000.00} to me. 
The XXXX person we spoke to said he has never seen anything like this before, he contacted a manager who also said he had never seen anything like this. Then he came back and said it was because our signature cards were late. I informed him we returned them as soon as we received them. The employee, XXXX, said you returned it in XX/XX/year>. Which is not even 60 days. XXXX verified that and then came back and said the were still missing one signature card, which is not true we returned every document they asked us for. Never once in 19 months did Synchrony ever alert us there was an issue. 
Now they are telling me it's just too bad the state has your money and there is nothing they can do. I asked what state and can you tell me how to go about getting my money you withheld from my CD, and the XXXX said no he can not.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed an inquiry on my Experian credit file dated On XX/XX/2018 without a " permissible purpose and this needs to be removed
Product: Debt collection

XX/XX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

The company has failed to respond with any information to validate the debt they are trying to collect from me but are still reporting the information to my credit report. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.
Product: Credit reporting or other personal consumer reports

Collection was added to my report that was incorrect and has not been validated. Negative marks are now on my XXXX, Equifax and XXXX Credit Report according to the Fair Debt Collection Practice Act this should not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate. 
FRAUDULENT ACCOUNTS XXXX XXXX XXXX ( Original creditor : XX/XX/XXXX
Product: Credit card

An unauthorized charge appeared on my credit card statement from XXXX XXXX in the amount of {$29.00} ( on XXXX/XXXX/2015 ) and I am having trouble getting credit card company Juniper/Barclaycard to remove the charge from my statement. I never authorized the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account number 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 in account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

This complaint is about Capital One dispute # XXXX. 

Capital One was careless in resolving this dispute. Capital One ignored the chargeback reason as provided by XXXX guidelines for Defective merchandise. 

I bought a paint sprayer from merchant website for {$100.00}. Paint sprayer turned out to be severely defective and unusable. Merchant has 30 day return policy to accept return on defective merchandise, but merchant refused to take return. Other customers had same experience with this merchant refusing to accept returns for legitimate reasons. Instead of taking back the defective merchandise, merchant tried to give me a 29 % refund to make me go away. I refused this absurd resolution. The merchant then offered 61 % refund to keep the broken merchandise. I did not want to play games with this merchant, so I took the 61 % refund and decided to get the remaining {$42.00} balance through Capital One dispute process. 

My issue is appropriate for XXXX 's chargeback reason for Defective merchandise. I provided Capital One with video proof of defective merchandise. I also provided proof of correspondence with merchant refusing to accept return and fraudulently giving only partial refund to make me go away. I also provided Capital One with merchant 's return policy as evidence that merchant refused to follow its own policy. 

In the end, Capital One completely disregarded my evidence, and quickly closed the case. 

I paid {$100.00}, and only got {$61.00} back. I am stuck with broken merchandise and money lost, which should be remedied by XXXX chargeback guidelines for Defective merchandise. 
Capital One is disregarding guidelines set by XXXX.
Product: Debt collection

A letter was sent from this company I've never heard of claimed I owed money. I responded with a letter requesting paperwork that bears my signature. The company sent back old statements from a credit card. They've ignored my request and are in violation of the FDCPA. 
Furthermore, they have misrepresented themselves sending letters under various LLC 's and different companies. I have no contract or financial obligation with any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion and XXXX several times. Including both mail and via phone. I have complain about several inquires on my account that I did not make. I was a victim of identity theft and they have not removed them. 

The Transunion accounts include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The XXXX  Accounts iInclude : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX, XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$170.00}
Product: Mortgage

I received a bill from my loan servicer for {$54000.00}. They are charging me for legal fee 's for correcting a lot mix up by the builder. I got a lawyer through XXXX XXXX XXXX to handle the proceedings. Before things were final I received several bills. We responded twice, asking them why we are being charged these fee 's. They responded with a break down of the legal fee 's concerning this case. During this process Bayview has done nothing but prolong the case and cause my husband and I unnecessary stress. I called XXXX XXXX XXXX for advice and they told me that Bayview has been nothing problems and in many instances were in violation of my contract.