23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On around XX/XX/year> a secured credit card account was opened with XXXX XXXX XXXX Bank in the amount of {$1100.00}. The company is reporting the information on this account incorrectly stating a balance of {$190.00} is past due and the payment status is being reported as Collections/Charge off, Derogatory. The account has been paid in its entirety due to being reported as charged off as bad debt. Profit and loss write-off. The company has violated federal law listed below. Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian, or TransUnion ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within XXXX ( XXXX ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was locked out of my Coinbase account. There is no US telephone number or anyway to speak to a human being. All interaction has done virtually and there is very little effort to help recover my access. I have been DMing with multiple people from Coinbase on XXXX and also over email.At first they seem to want to help, but ultimately all you get are pre-written cut/paste answers that do not solve the problem. I have told multiple people at Coinbase that I plan to contact the CFBP and Lodge a formal complaint and they still could not help me access my account. All it would take is one phone call and this could be solved, but they refuse to have any phone conversations with any customers. I have validated my identity with my Georgia drivers license ten times as well as at least 10 videos of my face proving my identity. They authorize my account but then send me back through the same circular process that is worthless. I have over {$100000.00} in my Coinbase wallet and no way to access the money. Very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed and placed back two fraudulent accounts from Navy Federal : fraudulent account number 1 is worth {$27000.00} and account number 2 is for a little over {$5000.00}. XXXX had received an FTC report back in 2019 on Navy Federal. Also, Navy Federal has been contacted by phone at XXXX. A certified letter is on its way next to Navy Federal at the address XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

XXXX EQUIFAX AND XXXX are harboring information that they won't remove ranging from 3 different collections and several inquiries that I have told them over and over that I did not do. I sent in these letters and they did not do anything or provide and deletions or updates for the information. this is ironic as I also mailed the three collection companies and they did not respond to my mail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 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, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a signed original certified letter containing a list of disputes along with a color copy of my XXXX drivers license and a color copy of my bank statement for identity verification purposes. On XX/XX/XXXX, I received an email from Experian stating they received the letter but would not process it because they did not think it was sent by me. ( I sent everything certified with my signature and the two items for verification ). I guess they needed a blood sample for proof of identity??? I called the number listed in the email to confirm that the letter was sent by me. They could not locate the letter for an hour and then once they found it, I was told it would be processed. 30+ days has gone by and none of my disputes from the letter had been processed. ( But the online disputes were handledbut the letter WAS NOT processed as I was told it would be ) w. 
On XX/XX/XXXX, I sent a revised dispute letter with added requests for validation, again certified with my signature, a color copy of my XXXXXXXX drivers license and a color copy of my bank statement. I again, received a letter from experience, today, XX/XX/XXXX, stating that they received my letter but would not be processing my disputes because they again did not think it was sent by me. 
I again called the number provided in the email and was on the phone for an hour and a half as the agent was not able to find either dispute letter. He did a great job trying his best. He did finally find one of them, BUT it was not the originals I had sent. He informed me that he had a faxed COPY of my letter and accompanied license/bank statement and said these copies were blurry and that was the reason my letter was rejected! THAT IS A LIE!!! I personally sent the certified letter and signed it myself in BLUE INK with crisp color copies of both my license and bank statement. I did NOT fax These documents, they were originals sent certified mail! I requested a reason behind the rejection as his reason was not going to fly because thats not what was sent. He informed me that there was no way to find out the reason because the dept that handles the letters sent does not have phone support. He then wanted to go over the disputes from my letter one by one on the phone. I sent these certified letters to be processed not so I could do it on the phone. They have dropped the ball not once but now TWICE. They have no reason to reject my letters for identity verification. I sent proof of my identity, signed the letter myself and sent them certified. Its not ok for my disputes not to be processed! If they cant do what is legally required they should remove it all from my report! They informed me last month the letter would be processed when I called, yet it wasnt. Maybe the letter overwhelmed them, but Im sure its not the first multiple page dispute letter! These laws are in place to hold them accountable and I want them held accountable!
Product: Consumer Loan

There is no easy way to talk to someone in regards to phone payment. The IVR System does not allow for direct contact with a customer service agent and forces the XXXX XXXX Payment option on the caller with no discernible way around. This format does not allow a greater payment to be made onto the loan account and does not allow the customer to interact with an agent, should additional questions around payment date application and debit from account dates arise. 

In addition, there is a .5 % discount for auto-payment through a Regions Deposit account, which must be signed on for at the beginning of the life of the loan. As I was signed up for this loan through a dealer and not a Branch, this was not offered to me, creating a .5 % discrepancy in the price of the total loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX *XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Debt collection

Letter of Complaint : Refuse to Validate Debt- Prime Business Service For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, XXXX XXXX, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and Prime Business Service. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX XXXX XXXX, no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification. 


I want the account removed from my credit report immediately. Current Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

I want the account removed immediately, or I will be forced to seek legal remedies, under the Fair Credit Report Act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts have violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A Creditor may not treat patient on a credit card account under and open end consumer credit plan as late for any purpose. 

XXXX XXXX : this company is reporting fraudulent inaccurate information on my credit report. I requested that they provide me the proof where is wasn't paid off after sending a debt validation letter they never provided it but its still on my report. 

I have requested the negative things to be taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  not my accounts , and students loans taken off
Product: Credit card or prepaid card

I had opened and used Chase bank 's " preferred sapphire preferred '' card between XXXX. During that time Purchased products for " XXXX '' for a transaction of {$640.00} on XX/XX/XXXX. Recently I had to return the products to " XXXX '', and had an issued a refund. Here 's the transaction reference ID provided by " XXXX '', it's '' # XXXX '', refund issue date is XX/XX/XXXX, vendor said the chase successfully received the refund. 

Later I called chase customer service, the representative said refund can't be sent if the account isn't active, then later I talked to a credit card specialist, they are saying there's no history of me ever owning a " chase sapphire preferred ''. I was shocked since I have emails of bill alert for this credit card, it's ending in XXXX. I also have XXXX with 4 months of all the transaction history, there's even records of the account displayed as closed on my credit report. 

The full credit card number XXXX. 

My goal of this complaint is to ask chase.com to investigate further, I just want to get the refund that is due to me. Thank you.
Product: Debt collection

I was a resident at the XXXX XXXX  located at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, On XXXX XXXX there was a attempted break in on my unit at approximately XXXX XXXX by a homeless man that broke into the secured building police were called out there were no security to let them in a second call was made and they gain access to my unit later found out there were no cameras however the homeless man was spotted and a chase to place and the suspect got away .Management was notified and nothing came from it .I called the housing court and was told if I fear for my safety which I did I should give them a 30 day notice explaining my fears and concerns I cleaned the unit we did a walk through ( management and myself ) my lease would have expired in XX/XX/2020, I moved out the following month after this incident however I didnt stay there anymore after the night of the attempted break in. XX/XX/2020 I noticed on my credit report from a debt collector ( National Credit System , Inc ) a debt of XXXX from this incident I have disputed this debt on the credit bureaus complains that this is false also attempted to take them to court .I would like this removed from my credit, I have evidence that these charges is fraudulent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are XXXX unauthorized accounts and an inquiry that were placed on my report without my knowledge or consent. 

Fraudulent 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 have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiry to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights.

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly.

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being.

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.
Product: Credit card

I was visiting XXXX and made clothing purchases. I purchased 5 women tops and 1 lightweight jacket. The tops and jacket was tried on but a lil snug. I asked if they had a bigger size. The lady left her store and went to another store to get the bigger sizes. She comes back with the items repackaged with the correct size displayed clearly on the package. New labels clearly showing the size I approved. Later, after I left the store, I discovered they did a Bait and Switch. So in the new repackage items was the same size items that was tried on in the store that was snugged. They never replaced the tops or jacket with the correct size and they cut the size labels off all the garments. She was desperate to make a sale instead of admitting she didnt have the sizes I needed she committed fraud by lying she had the correct size and cheated me out of my money for a smaller size product. Navy Federal said its non disputable. I was scrammed, I did not get the items I thought Id purchased. This was a purchased made for {$1100.00} XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Prosper card around XX/XX/2022. Due to a number of relocations and emergencies, I never received the card which was shipped to an old address. In the meantime, the card was lost/stolen and thieves spent approximately {$1100.00} ( my entire credit limit ). I have been on the phone with Prosper on multiple occasions, and they have been having a difficult time marking all of the transactions involved. Meanwhile, I can not seem to have online access to the account due to the holdup. It is also reflecting on my credit report that my card is maxed out.