23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

my original credit card with universal card account was used somewhere else in the US by a person who did not have my card or permission. there was a XXXX balance at the time. when i received a bill i called the card company and told them about the fraudulent charges of over {$3000.00}. They closed that account and issued me a new card with the promise of an investigation. I received the new card and put in in my safe until the problem was resolved. Then the new card was also used in a fraud. The card issuer canceled that one and issued another. When it arrived i did not activate it. From the beginning of XXXX till now i have spent over 5 hours on the phone with universal card fraud Dept. trying to resolve this issue. Each time they say it will be taken care of and to call back in a week. Now its XXXX and the problem remains. Universal card knows the purchases were made at a Best Buy in another state. They claim the store has no record of the purchase. only that it was probably made there. The store asked for no id nor was there camera footage of the sale.
Product: Credit reporting or other personal consumer reports

Navient REFUSES to remove negative loans in bad score when had Disability Discharge. 10 loans are still there.
Product: Credit reporting or other personal consumer reports

I just recently checked my Equifax and XXXX credit reports and It shows some unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to this account XXXX XXXX XXXX XXXXXXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

its been XXXX  months asking for the XXXX XXXX companies to update my credit report and remove all charged off accounts that's been on my credit for XXXX yrs or more based off the missed payment.. They are reporting balances on charge off accounts as well. 
FCRA - 15 1681-2-Repondsibilites of furnishers of information Charge off accounts stays on credit history for XXXX years from the date of the delinquency that led to the charge off. 
I have sent letters and more letters to get this information updates they are refusing to remove as well as to send documents from the last late payment.
Product: Debt collection

I am taking legal action against National Collegiate Trust/NCO but their servicer American Education Services keeps contacting me about the past due loans which I have wanted moved to another servicer. I had a rep ask me when I will make a payment when I advised her that National Collegiate Trust or NCO will have to contact my attorney which I advised them of several times. They removed the attorneys phone number which I am not why they do that, I have the copy of the retainer I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 

REMOVE THE FTC VIOLATIONS
Product: Bank account or service

My name is XXXX XXXX and I have a checking account with " XXXX ''. Also I have a really small business with XXXX ( fictions name XXXX Professional Services ). Customer gave me a check for services I provided to him and I posted it to my checking account. Check cleared and everything was fine until Monday XXXX/XXXX/XX/XX/2015. Chase reversed deposit saying I can not post checks with business name on it. 

Is there any limits of using " checking account ''?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ct XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2022 I disputed inaccurate and incomplete information on my TransUnion credit report. I even sent them proof of the inaccurate information on the accounts that I disputed. The claim to have investigated the accounts but after the alleged investigation they continued to knowingly report the inaccurate and incomplete information. I sent them another dispute letter after receiving the results of the investigation. Enclosed in the second letter I explained in detail what was inaccurate and incomplete and I showed them proof that those accounts were removed from my XXXX report. Instead of them removing those inaccurate accounts they decided to respond with a stall tactic stating that they will not process my request unless they come directly from me or an authorized third party. I am not using a third party. My disputes came directly from me and I let them know that. 

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. 
XXXX XXXX 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 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 or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$64000.00}.
Product: Debt collection

I have been trying to open up a Navy Federal Account for the past 4 years. Come to find out, they are stating that I had an account that has been closed since XXXX due to fees from XXXX. There was charge for {$500.00} and there is a late fee charge for {$80.00}. I've been calling and going into branches asking for statements, records of charges, store information and was told they could not provide me with any information and told me to submit a fraudulent claim affidavit through fax. I sent faxes for the past 2 years based on the numbers that were given to me from the represenatives and all of the faxes were shown to be unsuccessful. I called Navy Federal once again on XX/XX/XXXX and asked for a resolution and was told once again what can be done and was told that the fax numbers are not working, but there was no indication or messages on their website stating that faxes were not working. There are not able to prove that this was a charge by myself and provide any information and continue to tell me in order to open an account, this balance from 10 years ago that they can not verify on their end has to be paid. The representative stated she will have a supervisior reach out to me and this attempt was never completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX 
ACCOUNT # - XXXX XXXX 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

I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX  for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told his company that was not my public record and that they did not have my consent too use that information and they are getting miss information from a third-party and not the Court itself
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two charges on my credit report for a single visit that is for {$77.00}. I only visited the dentist office once ( XXXX XXXX, XXXXXXXX XXXX ). I have tried contacting the collections agency and disputing it on my credit report without any success.
Product: Mortgage

Nationstar Mortgage company held my mortgage which they purchased from XXXX. On XXXX XXXX this balance was payed off in full. on XXXX XXXX I called Nationstar to inquire when I should expect the release of mortgage/Iien papers and when my county would receive the deed. At that time I was told XXXX days after payoff, which was XXXX, so I should receive release of mortgage in XXXX days. 
On XXXX, I again called them and was told I would receive the paper work in XXXX days, on XXXX XXXX I was told 30 days following payment, which again they said was received XXXX XXXX, so again I was told, inXXXX business days. On XXXX XXXX, I called again and was told my paper work should be received in XXXX business days. On XXXX I went to Nationstar 's online site and filed a form requesting the proper paper work to show the mortgage had been payed off, on XX/XX/XXXX, I received a return memo per e-mail stating they had received my request and should receive the release notification in XXXX business days .As yet I still have NOT received this and am beginning to believe they have lost the the deed, I am tired of this run around. I was given your name by another financial institution. My next step will be to an attorney, I feel that I have been overly patient. Please help.
Product: Debt collection

In XXXX of XXXX we had found XXXX mold in our apartment ( XXXX XXXX Apartments ) making us very sick. We contacted the apartment administrators and educated them on the issue. They came in and sprayed bleach and then painted over the mold. We then again called the office after learning this is very dangerous to do, we were told to move out if this fix wasnt a good enough solution. We talked with the office XXXX and decided and agreed that we were going to leave. 
In XXXX of XXXX we moved out of the apartment. In XXXX of XXXX we had saw that they had put {$4200.00} into collections, however we never received a bill or notice. We were not aware that we owed after talking and coming to an agreement with the office XXXX. I called the company and they told me there was nothing they can do and I needed to pay a debt I was never made aware of. 
I have disputed this collection multiple times. This collection was immediately sent to a collection agency FAIR COLLECTIONS & OUT XXXX without knowledge of the debt. I have no documentation of any bills owed to them or any letter from them trying to collect a debt.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX ( Comenity Capital ) for XXXX. I was talked into opening an account and was told I would not be charged interest until 6 months after I opened my account if my balance was not paid off. I opened my account XX/XX/XXXX  with a balance of XXXX. I didnt receive a XXXX statement and the XXXX statement did not have interest. My XXXX statement had interest charges of {$23.00}. XXXX interest charges are XXXX and XXXX is {$17.00}. On XX/XX/XXXX I sent a message inquiring about the interested charges. I have a letter from the credit card company saying that my account is currently subjected to special terms which my account is not. I spoke with a customer services representative, who then transferred me to a supervisor who stated they could not do anything for me. They can not refund the interested rate because they are the credit card company not the merchant. THIS IS FALSE ADVERTISEMENT. The only reason I signed up for the account is because I was told that it would be 6 months interest free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wrote a request on the method of verification for dispute initiated in XX/XX/XXXX and the subsequent response received on XX/XX/XXXX from Equifax enclosed with this letter. 
I requested that the following address be removed from my credit report : XXXX XXXX  XXXX XXXX XXXX PA XXXX Equifax deleted the inaccurate address on XX/XX/XXXX under Confirmation # XXXX I pulled my credit report on XX/XX/XXXX and it appears that Equifax re-inserted the address without notifying me of doing so. If the CRA reinserts, they must send the consumer written notification of such within 5 business days of the reinsertion. I did not.receive this letter or notification within the days of re-insertion.
Product: Debt collection

The collection agency was advised that I had   XXXX   XXXX   and member ID is  XXXX .. The collection agency was advised that hospital had info and nothing was done to verify these statement instead the agency called 36 times in one day and continues to call. As I advised the employee from hospital and collection agency they must bill   XXXX   XXXX   then I will appeal claim and   XXXX   XXXX   will pay.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

On XXXX, Chase customer places in US Mailbox in Texas a check for {$100.00} made payable to relative in Illinois. 

On XXXX, Chase Bank receives for deposit, by way of a Chase Mobile Deposit App, a Chase Drawers check which Drawer subsequently learns had been stolen from the US Postal Mail Box, and obviously materially altered date, name of payee and amount from {$100.00} to {$4500.00}. In spite of fact that materially altered check is not properly payable under Uniform Commercial Code 4-401, and EFTA and Regulation E, on same date, XXXX, Chase charges Drawers account {$4500.00}, resulting in overdraft of ( {$1000.00} ), charges Drawer 's account overdraft fee of {$34.00}, and notifies Drawer by e-mail of overdraft. 

On XXXX, less than 24 hours after Chase accepts materially altered check, in response to overdraft email notice, Drawer reviews his account, realizes fraud and immediately notifies ( XXXX on XXXX ) Chases customer service and fraud divisions of altered check, and makes claim and request for Drawers account be credited the wrongly charged {$4500.00}. Chase subsequently refuses payment on Drawer 's outstanding checks. Now, XXXX, 20 days later, Chase still has not credited Drawer 's account the wrongly charged {$4500.00}. 

Issue : How long a period of time does Chase have to credit its Drawer/Customers account the wrongly charged and not properly paid {$4500.00}?????
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Credit Repair Agency. I viewed my own reports and have found some errors that should not be on my reports. thanks for helping fix these. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I deposited {$6700.00} into Coinbase between XX/XX/XXXX to XX/XX/XXXX. 

Then I went to log into my account 01-2021 and my account shows I have a {$0.00} balance. 

In my Coinbase account there is a transaction report, clearly showing I only deposited money. Nothing has been withdrawn, however coinbase just took the money. 

I have tried to contact them multiple times with no resolve. 

They did finally reply to one inquiry and they gave me instructions on how to run a report?!?!

I am getting nowhere with them, they never respond, if they do respond it doesn't even address the main issue of the ticket.

All I want is my investment back into my Coinbase account, there is clear proof that funds have never been withdrawn from my account. Only deposited into coinbase and now they have made those funds unavailable. 

I am very concerned this is a wide spread practice of theirs, affecting 1,000 's of their customers. 

I just can't believe a US based company can take people 's money like that and don't have to answer to anyone. 

Again, all I want is my money back. 

Thank you for your time with this matter. 

XXXX XXXX
Product: Debt collection

I am uncertain about the origins of this creditor and the legitimacy of the debt they claim I owe. Despite my clear requests to cease all communication and to provide a debt validation letter as stipulated under USC 1692g, the calls have persisted. The creditor has neither complied with my requests nor provided any information regarding the alleged debt. Furthermore, I was informed that the original collector has sold this debt, thereby implying that I now owe this new creditor.