23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : American Coradius International LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Account number : ending in XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear American Coradius International LLC 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
Product: Checking or savings account

" Bank of America closed my claim for {$2000.00}, it was opened on XX/XX/2023. I had a debit card and someone took the money from my debit card. They opened the claim and then closed it on the same day. They did not send resolution letter. "
Product: Debt collection

Phillips and Cohen Associates LTD sent an " initial communication '' dated XXXX XX/XX/2018 to the Estate of XXXX XXXX looking to have " outstanding bills '' paid on behalf of their client. In accordance with U.S Code 15 Subsection 1692g this collection agency has a maximum of five ( 5 ) days to properly validate any debt and/or " outstanding bills '' due from an Estate after " initial communication ''. The agency did not comply to the Code and continues to harass the Estate and the Personal Representative thereof. I hereby demand that Phillips and Cohen Associates LTD cease all communication. I further demand that the agency not report any debt or delinquency to credit report agencies nor assign or sell said " outstanding bills '' to any other collection agency.
Product: Payday loan, title loan, or personal loan

I have take a loan with Lendmark Financial Services, LLC. In XXXX. This company has charged me excessive amounts and fees for interest. They have reported erroneous marks against my credit report repeatedly. They have bad business practices to make the account delinquent by not accepting my payment monthly. They have made harassing telephone calls to me and my employer. The company has three telephone numbers on file for me and one telephone number for my husband. My husband is on the loan but they have never called him not one time. I have visited the company business numerous of time in XXXX the office door was locked. I have downloaded the lendmark app to my cellphone the company has blocked me and the account to access to make payments. They are refusing to accept payments in bad faith to gain additional money from me. The company filed a lawsuit against me in XXXX but they refused to appear in court. The case was fraudulent because they charged my bank card two payments when I was only to make one payment each money as the account was not delinquent. The company has failed to provide account billing statements as I have requested several times by telephone. The company has contacted my employer XXXX about the account. The branch manager XXXX XXXX has repeatedly discussed to me about how the company will continue to destroy my credit and report me as late paying when they refused to accept my payment. Thanks, XXXX XXXX
Product: Debt collection

Companies refused to removed items but didnt provide the things asked to verify the debt and remove these hard inquiries that I didnt authorize due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Credit card or prepaid card

Dear Sirs, We are all well aware of the ramifications of the suspension of accounts at Block Fi both investing and credit accounts. As a result, I find that Block Fi and its partners are in violation of the agreement between parties and as such all contracts or obligations are null and void. Block-Fi is in XXXX XXXX Bankruptcy as such I am a creditor looking for the recovery of assets same as all other creditors. 

No access to money in Block-Fi account No access to the use of Block-Fi Credit card No payments of XXXX credits or Interest due from Block-fi card transactions. 
No way to trade buy or sell on my accounts Are all failures of Block-Fi and its partners to keep up their end of the agreements My money is in Block-Fi accounts and when I have access to that money I will pay the Block-Fi card. However, I offer these options in a fast and reasonable solution to the situation. 

1.You can recover the balance from my Block-Fi account in house XXXX XXXX XXXX XXXX on the dollar for the balance owed in full.

I have filed a copy of this e-mail plus a full complaint with the Federal Trade commission, The Federal consumer protection agency, the three credit Agencies and other state and Federal agencies. 

I am also informing you in writing that XXXX XXXX and Federal regulations Myself, my family are not to be contacted, harassed, or solicited in any way other than communication by E-mail in reference to a settlement of the account by either of the above solutions. 

XXXX XXXX
Product: Mortgage

ever since my loan was transferred from XXXX to this lender Nationstar there have been major discrepencies in the billing. For many months they would send a bill that i owe {$25000.00}. and another month stating something different. I have a loan modification agreeme nt since XX/XX/XXXX. But it seems like Natiotnstar is attempting to change my modification without my consent or official acknowledgement. My modification, which was signed by me and XXXX should be in effect until XX/XX/XXXX. In XXXX, i fell upon financial hardships and i missed XXXX payment. Hence, in XXXX i mailed XXXX payments to rectify and catch up. both payments have been cashed ( i had to pay post office to do research ) both money orders have been cashed via their records. Hence the payments havent been posted. When i called Nationstar ( mostly bc during my bankruptcy, they kept sending me collections via certified mail ) so i called to get some answers then i was informed that my mortgage payment has been DOUBLED. When i call every time i receive differnt answers, XXXX answer was my home insurance was increased, i called state farm ( my insurer ) and they only increased by {$110.00}. Then i was told that XXXX made error in their calculations years ago. I have requested several times for a copy of my modification, a copy of these increases and a copy of changes being made. I have not recieved anything i requested. I would like your help in this matter. I would like a copy of necessary documents and a ledger of all transactions made between me and this lender. I dont really like how they are doing business. I feel like they violated the banckruptcy terms and i would like the XXXX lien, to be stripped via the bankruptcy. this home is underwater. I am being harrassed and hoodwinked. i am poor but i do need a home to live in and i ffeeling real comfortable making my payments prior to getting with Nationstar. they are causing me undue stress and it is affecting my health.
Product: Payday loan

XXXX in fees but the amount never goes down and now i am understanding the whole 700 % interest rate.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and ( XXXX : XXXX ) | was never late on the accounts XXXX & XXXX. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to notify consumers in writing of any late payments that will be reported to credit bureaus at least 21 days before the report is made. I did not receive such a notification from CreditStrong.

Given this, I request that you investigate this matter and remove the incorrect late payment from my credit report. Enclosed is an email that proves I requested this information, supporting my dispute.
Product: Credit reporting

I have a subscription with Experian, and there is information on my report which seems inappropriate and counterintuitive. Background : Until last week, I had an open, non-mortgage loan with the Federal Government, and this loan was listed on my credit report as an item that was hurting my credit score. I have since paid off [ early ] the entire loan, and this has finally been recognized on my credit report, as my score went up slightly. However, I still have the same number of negative items ( 3 ) on my credit report. XXXX items have n't changed for a long time, but now there is a new " negative '' item that is hurting my score - " NOT having an open, non-mortgage loan! '' So, now my score is apparently negatively impacted by NOT having an open, non-mortgage loan. Until last week, HAVING such an open loan was the negative item. I contacted Experian about this, asking how having such a loan could be negative while now I have a negative item by not having such a loan. Experian replied by saying that it 's not a credit bureau but, rather, an online provider of reports, scores, and credit monitoring. I replied to them with a screenshot of their home page, which contains a link to purchase a " XXXX-Credit Bureau report '' ( since Experian is apparently not a Credit Bureau, I imagine that the report on Experian 's home page pertains to XXXX other agencies. In this era, so many decisions - some moderately important, some critically important - hinge on one 's credit report/score, and I feel that, as a consumer, I should be entitled to know the extent to which items on my credit report are either increasing or decreasing that very crucial metric, known as the credit score. Instead, I receive a suggestion to contact a credit counseling agency. I have no idea how an arbitrary credit counseling service would be able to explain Experian 's methodology to me, let alone why having an open, non-mortgage loan would have a negative impact while, now, NOT having an open, non-mortgage loan would have a negative impact. Why ca n't consumers know how the credit score is calculated when this score can literally shape a person 's life. 

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

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of this year I submitted a dispute with all three credit reporting agencies regarding a questionable tradeline on my credit report. The account was XXXX XXXX and it showed as a charge off with different amounts reporting for each agency. I submitted requests for validation from each reporting agency as well as directly with XXXX XXXX. That request letter is attached to this complaint. Shortly thereafter, the tradeline was removed by XXXX as it could n't be validated. TransUnion however closed the dispute as " verified ''. On XX/XX/XXXX, I recieved the attached response from XXXX XXXX stating that the account had been sold and providing no validation. I sent a second request ( also attached ) on XX/XX/17, again demanding validation. XXXX XXXX responded on XX/XX/17 with the attached letter refusing to provide validation and stating that they already responded to the previous request would not be responding to any further requests. As is evidenced by the attachments, they did not provide any validation in either request. I am submitting this complaint against TRANSUNION because they clearly did not investigate this dispute per FCRA statutes as they claim. I have disputed this item and requested validation no less than 5 times in the past year and each time TRANSUNION simply closes the dispute as verified without providing any evidence of said verification. As shown by the letters from the information furnisher XXXX XXXX, no validation has been provided. Failure to perform thorough investigations into disputed information and continuning to report unvalidated accounts are willful violations of the FCRA. FCRA statute 623 clearly states that if an item of information disputed by a consumer can not be validated, that item must be deleted and permanently blocked from reporting. TransUnion remains the only CRA who has not complied with this law in regards to this account.I am asking the CFPBs assistance in enforcing the law and removing this account from my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. Here is my failure to respond letter or do something about it
Product: Credit card or prepaid card

I submitted request for my statements from XX/XX/XXXX to current to Kohls. This company only has 3 statement months available online, when you do paperless. I submitted on XX/XX/XXXX to their msg center, they asked me 2nd time to tell them what statements I needed, even though I had already submitted that on XX/XX/XXXX - XXXX sent them same answer on XX/XX/XXXX. Response would be they would be mailed in several weeks. on XX/XX/XXXX I again msgd them and was told to call customer service. Called a XXXX @ XXXX @ XXXX and she said she was escalating this to get me my documents. ref # XXXX. Called again on XX/XX/XXXX, as I had heard nothing on this. Spoke to XXXX @ XXXX, who sent me to a supposedly supervisor XXXX, left XXXX to get call back asap. As of yet on XX/XX/XXXX @ XXXX, I have gotten no call back, no response. I have a deposition court date against my Ex on XX/XX/XXXX and my lawyer was requesting all bills that were not paid by him according to divorce decree from XX/XX/XXXX. This is very important, and they are not willing to cooperate at all. I was told they would not email, would only mail information.
Product: Payday loan, title loan, or personal loan

I went online applied for a XXXX loan was offered XXXX secured oelr XXXX unsecured. The agent I spoke with XXXX on the XXXX of XXXX had XXXX upload my info in the system and also email my tax return and stated they would call me back and failed to do so. I called the branch this morning and was told they are short staffed and he'll get around to it when he can my another rep. I called the corporate phone number and spoke with a representative and explained that I hadn't got a answer back if I was approved. She said you were for XXXX but give me a min. Then connected me with XXXX who also had me re-upload my info and stated she would look over and call me back. I called back about XXXX and was stated you were not approved. Because Onemain had used my credit card to enter into a transaction with me and failed to do so they violated 15 U S Code 1602g,1602p, 1681n, and 1681o
Product: Credit reporting, credit repair services, or other personal consumer reports

On or aroundXX/XX/XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XX/XX/XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within XXXX days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your XXXX disregard for the law.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Consumer Social Security Number : ( private SSN ) Consumer Date of Birth : ( Private DOB ), 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in 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 fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

As of XXXX XXXX. XXXX, have not been able to login to my Coinbase account and the company is not responding to my requests for assistance. I did receive the reply below back on XX/XX/XXXX, but noting other than an automated response since. I find this greatly disturbing for a financial services provider. 

I have approx. {$2500.00} in there and currently am in dire need of it. 



Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Coinbase Support [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : [ Reply ] Case # XXXX - AUTHENTICATOR XXXX