23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello SOURCE RECEIVABLES ; XXXX ; This was removed before and re-inserted under different debt buyer without my knowledge. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify Consumers of dispute outcomes. These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Medical Data Systems has ( 7 ) collections on my XXXX  report. I have e-mailed, called several times with no response on e-mail and just to be talked nasty to over the phone with false info. These are not my debts. I have called each hospital to confirm this. Medical Data Systems also violated my HIPAA rights. They gave info about each medical charge in detail of what they claim the collection is for. Also They have collections tied to my son on places he has never been before. They gave my personal info to my ex-wife when she called MDS once again violating my HIPAA rights. This will be the last form of communication before I seek legal help to have these removed.
Product: Debt collection

After pulling a copy of my credit report i noticed this company reporting inaccurate unproven information on my credit report in which i have requested for a compliance check with the credit bureaus in which they have ignored.
Product: Debt collection

They a In XXXX this year I received notice from XXXX  that a claim had been put against my credit. And a message stating they had blocked an attempt to access my account. Some time later I disputed the claim made by Midland Credit Management. They then sent me a form to fill out about disputing the claim & a phone number XXXX, to call with any questions. 
When I called the person that answered ( XXXX ) could not speak English well enough for me to understand. At that time I asked to speak to someone that could speak better English, and was told he was in XXXX and I would have to call the United States. He then gave me what was supposedly the U.S. office phone number XXXX. When I dialed it, I was told it was an unassigned phone number! ttached the supposed bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I called 2 times and sent a letter to dispute it. Nothing has been updated and no change happen since XXXX of 2021.
Product: Debt collection

my consumer rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ). calling me late at night, while at work, during the parent-teacher meeting for my child, I send a cease and desist letter and validation for Eastern Account system debt collector to stop harras me and my family with unconsented phone calls down below will submit the proof of letters that were sent to the debt collectors.
Product: Money transfer, virtual currency, or money service

As per complaint ID # XXXX, you had finally reached the BoA and someone at there end admitted that it was the bank wrong doing which causing both time and money. Since I have received a letter from BoA, I had called left the messages more than 10 times and the person whose name was on the letter never once called back. And the last time I spoke to one of your officers is to make another complaint and make a legal approach which I dont think it is right the time to pursue os this direction just yet.
Product: Payday loan

An on-line loan was taken out under my name and Social Security number through Cash Net USA.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, XXXX, Experian Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things were incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number If you look through my attachments, you will see that everything is not correct and comprehensive, despite their claim that everything was when they submitted the investigation back to me. Furthermore, they are expected to handle false or unverifiable information in accordance with 15 USC 1681i 5.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law, they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description.

However, they also did not perform that well.

Additionally, they are required by 15 USC 1681s-2 to refrain from providing any consumer-related information to any consumer reporting agency if the individual knows or has a good faith belief that the information is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has never been late and due to an error with XXXX XXXX, my Barclay 's account was made to be delinquent in XX/XX/2021 when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity theft and fraud on my account. I have reported a claim before and now I will again due to someone else using my information, ssn, and other data in my credtials. The identity theft report number is XXXX. There are 7 disputes in the report. I am not sure how many more are in my other credit bureau reports. My social security number is XXXX and date of birth XX/XX/XXXX. Thank you for looking further into this. 


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

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer
is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I established a checking account with U.S. Bank after receiving an invitation from their ads, accompanied by a {$400.00} new account promotion bonus code. Following the provided instructions, I initiated the initial deposit of {$100.00} and arranged for a direct deposit to meet the requirement of a total direct deposit of {$4000.00} within XXXX  days from the account opening date. The direct deposit originated from my workplace, where I was employed at XXXX XXXX XXXX  at that time. 

XX/XX/XXXX {$7800.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$4000.00} Despite having a total direct deposit of {$36000.00} into my account, I did not receive the promised promotion bonus. I contacted the bank several times since XXXX, requesting an investigation into the matter. During each call, I had to clarify that my workplace was XXXX XXXX XXXX, causing my direct deposits to appear as XXXX rather than direct deposits in their system. The representative assured me that a case was created, but when I inquired about a case number, I was informed that only follow-up calls could track the status with no specific tracking number provided. 

The U.S. Bank neglected to address their issue, necessitating multiple follow-ups on my part. They failed to initiate an investigation to rectify the situation. Ive retained the account solely due to the promotional bonus because of the pending status, which also incurs a monthly maintenance fee. Despite my requests, the bank refused to correct the fee discrepancy. It appears the bank has engaged in misleading advertising, and I strongly suspect others may encounter similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax and XXXX  for a investigation for XXXX  XXXX XXXX  XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX and that is fraud
Product: Credit card

On XX/XX/2024 I called US Bank because I heard reports that switching XXXX XXXX  would cause the points to be lost. The rep assured me and also got assurance from her manager that my points would not be lost and would show when my statement closed. The statement closed and it said I had XXXX points when I was suppose to have XXXX points after reaching the new account signup bonus plus all the purchases I made last statement cycle. My conversation was recording assuring these points would not be lost from employee and manager.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.
Product: Debt collection

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. 

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.
Product: Checking or savings account

Good afternoon, I submitted a claim with Navy Federal regarding a fraudulent charge from a Company called XXXX. I believe my claim should be honored due to the fact that I have never authorized any charges made within the claim from the merchant in the amount of {$1600.00} dating all the way back to XX/XX/year>. Ive reached out to my bank ( Navy Federal ) and I tried to reach out to the Merchant as well, in order to speak with the merchant its stated a account must be created which I will not created because I dont not trust them with any of my information.
Product: Debt collection

I explicitly requested from XXXX XXXX XXXX a scanned original consumer contract bearing my actual signature and they have not provided me with that at all. What was sent to me were some statements, bills, and itemized lists -- all of which are NOT proper validation under the FCRA and FDCPA. If XXXX can not provide the REQUIRED scanned original consumer contract / original instrument of indebtedness in its original form, then I demand that this account be IMMEDIATELY DELETED from my credit reports. Again, the law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer  documentation is required to consumers, particularly upon their request. Furthermore, XXXX, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Hey I am writing to dispute the following information on my report. 
This item Account XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Equifax and XXXX I also asked Equifax and XXXX for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Equifax or XXXX nor the original creditor was able to do so the last several months Equifax and XXXX Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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 received my credit report last month and notice some discrepancies. In accordance with FCRA section 611 and sec 623 the above and below companies mentioned violated my consumer rights : The amount ( s ) owed are no longer outstanding for the following items Party Owed : XXXX XXXX XXXX AMOUNT : {$130.00} I did not authorized these inquiries UNAUTHORIZED INQUIRIES XXXX XXXX ( XXXX ) XXXX, 2023 XXXX XXXX ( XXXX  ) XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is willfully refusing to investigate and remove fraudulent items on my credit. 
They are not knowingly reporting items that have been identified as fraudulent by police report with items listed, cfpb report, notarized statement and all required identifying documents my identification, social security card and driver license. This information was initially submitted to this company on XX/XX/2020 via certified mail and on XX/XX/2020 via CFPB complaint. Company claims that appropriate information hasn't been provided. I have provided all required documentation and Experian is using stall tactics to not follow the credit reporting rules. I have attached all evidence as it relates to this case as well as a complaint to the Attorney General and the XXXX XXXX XXXX.
Product: Mortgage

1 ) recently found out that on XX/XX/2015, my divorced, ex husband borrowed money from XXXX XXXX  ( currently BBCN ) using the house I am living, not yet sold after divorce 2 ) I never knew, agreed, signed the loan document 3 ) I never knew, met, signed for deed or any other document or related people including my ex husband and bank employees and notary public 4 ) my signature on the document is forged and the bank employee actively helped XXXX XXXX 's forgery by accepting signature page without seeing me 5 ) I want to have this investigate and removed from the loan which I am not responsible Please feel free to contact me for any questions. 
Thank you for help.
Product: Money transfer, virtual currency, or money service

I received  XXXX  in the amount of  XXXX  on  XXXX / XXXX / 17  @  XXXX  into my Coinbase wallet. As for a confirmation code I did not re ceive one. I h ave tried close  to 10 tim es now to contact Coinbase customer service via the only means possible, online request &  XXXX . I  received one res ponse on  XXXX / XXXX /   17  but all they did was ask for the same information I had already provided so I reiterated it & never heard back. Here is  the Case #   XXXX  generated by my inquiry. I have numerous other case #  's ( Case #    XXXX ,  Case  #  XXXX ,  Case #   XXXX   )  that have been provided in their email acknowledging receipt of my inquiries however that 's all you hear from them. From what it looks like on  XXXX  many orhers are having similar issues with Coinbase.     Thanks