23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received several phone calls fr om Portfolio Recovery Corp regarding  an old  XXXX   XXXX  bill. I informed this agency I would never pay that because the charges are for roaming outside of my calling area. these charges are inaccurate. the roaming should have been covered under my then phone plan. Upon receiving my first phone call from this agency i specifically requested they not contact me anymore. I specifically requested a cease and desist but yet they continue to call. Since I never granted express consent their constant calls are violations of the TCPA. Today I received a notice from them regarding the same. I am unsure why they continue to call and send notices after i have requested a cease and desist
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Apparently one of my previous employeer used my ID card ( fake ID with his photo on it ) and my social to open a bank account with Eastwest Bank. From what I was told by FBI, this guy was involved in money laundering and drug trafficking and this account was probably used for that. I recently received a mail from XX/XX/XXXXXXXX XXXX telling me that I have a cashier 's check for this account and that is when I found out about the existence of this account. 

I have contacted the bank and asking them to investigate this issue, but I doubt the bank is following the right procedure to approve opening bank account as my employeer could use fake ID to surpass their security. This is a big problem as you have no idea how many accounts are opened under fake ID and used for crime and related activities. 

Since I have told the same infomation to Eastwest Bank, I have not gotten any updates on the investigation which led me to believe their process could be flawed.
Product: Money transfer, virtual currency, or money service

Coinbase closed my account without any sort of justification after I reported fraudulent transactions on their platform. 

For context, I was scammed into sending Bitcoin to a scam website called XXXX XXXX XXXX These transactions occurred via the Coinbase platform. 

I started investing about {$2200.00} in Bitcoin futures on XXXX XXXX XXXX in XX/XX/XXXX. This was transferred over to this fraudulent website through Coinbase ; I directly purchased Bitcoin from Coinbase to fund this investment. Each Bitcoin purchase on Coinbase came with transaction fees, which I estimate to be several thousand dollars. 

XXXX XXXX XXXX then charged me several fees to withdraw my money that amounted to over {$350000.00} that I purchased in Bitcoin through Coinbase. These fees are as follows : XX/XX/XXXX : A risk fee of XXXX % XX/XX/XXXX : A profit tax of XXXX % XX/XX/XXXX : A green channel fee of {$25000.00} XX/XX/XXXX : An exception fee of {$18000.00} XX/XX/XXXX : An XXXX XXXX XXXX XXXX XXXX fee of {$28000.00} XX/XX/XXXX : A handling fee for withdrawal of {$15000.00} XX/XX/XXXX : A XXXX XXXXXXXX  XXXX fee of {$25000.00} XX/XX/XXXX : A XXXX % profit tax, where they threatened to freeze my assets under a XXXX XXXX XXXX XX/XX/XXXX : A US Capital Gains Tax of $ XXXX  % XX/XX/XXXX : A processing fee of {$58000.00} XX/XX/XXXX : A late fee of {$74000.00}, where they threatened to freeze my assets XX/XX/XXXX : A high risk address deposit of {$100000.00} After paying all the fees, I was unable to withdraw my money. I then reported this fraudulent website to the authorities : XX/XX/XXXX : XXXX XXXX XXXX XXXX Sheriffs Department XX/XX/XXXX : XXXX XX/XX/XXXX : FTC via XXXX XX/XX/XXXX : Consumer Financial Protection Bureau XX/XX/XXXX XXXX  via Tips, Complaints, Referrals I reported the fraudulent transactions to Coinbase on XX/XX/XXXX. Coinbase, instead of cooperating and helping me to report the incidents to the authorities, froze my account making me unable to access any information. They then withdrew my remaining money into my XXXX account and closed my account on XX/XX/XXXX. 

This is completely unacceptable, as Coinbase was the platform in which I sent fraudulent transactions. Closing my account and refusing to cooperate with the relevant officials is not only suspicious, but also irresponsible as a digital wallet platform. Instead of being part of the solution for this fraud case, Coinbase has now become a roadblock to me recovering my stolen funds.
Product: Debt collection

XXXX {$280.00} American Collection Services Inc ( XXXX ) called me on my mobile phone. Person ( XXXX XXXX ) stated they were calling to collect a debt which occurred on XX/XX/XXXX. I stated that I had no knowledge of this debt and had not received a bill. I also stated that since this was at a hospital I didnt know and was in another state that I wasnt sure of anything. The woman, XXXX stayed that she was calling to collect it now before it ruined my credit. I kept telling her this wasnt right and she kept talking to me like I had no other choice. I wanted to check with my insurance company and find out what it was but she told me if I didnt pay today it would post to all three credit bureaus. She also stated that she had had the debt on her desk since XX/XX/XXXX and that the address she had for it was incorrect. I told her I always kept my addresses current and she even told me what my current address was, my SSN, and she had called me which means shed had my contact information but had not sent me any statement or notification in the mail. Ive always left forwarding addresses and have been at my current address for almost 3 years. When I balked at paying she said that it would just have to be posted to my credit report and it would negatively impact my credit if I waited to contact my insurance company. Im recovering from a nasty divorce and an arson fire which destroyed my home in XXXX. Ive worked hard to rebuild my credit and my life and she swoops in and threatens that life. She also admitted that this hospital in XXXX did not keep good records and probably might not be accurate. But still she pushed me to make a payment. I was not afforded the opportunity to verify the debt and it didnt sound like this agency verified it either. 
I want this made right. I want my payment returned to me until proof of the debt is made and I want this company to be fined for not following the requirements of the law. I did not receive notice and they threatened me with negative reports on my credit. 
I appreciate any help you can give.
Product: Credit reporting or other personal consumer reports

transunion, XXXX  and XXXX  are reporting wrong information on my credit report. the Information is as follows : incorrect phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses 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

Experian CRA, has not been willing to delete inaccurate, incomplete, unverifiable information from my credit file. I have mailed in several dispute letters via USPS Certified mail with Return receipts, requesting that they provide proper documentation regarding the inaccurate items on my credit file according to FCRA 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). There were and still are tons of inaccurate unverified information listed in my Experian Credit file, such as unverified personal information including my name spelling, home addresses, telephone numbers, even my Social Security number!! ( See attached file ) They removed several items on XX/XX/XXXX, yet they left tons of more unverifiable information on my report. They tend to ignore my requests for the physical documentation that the law requires them to send to me as the consumer. I was a victim of identity theft in XX/XX/XXXX, and Experian was made aware of this issue and still left the fraudulent accounts in my credit file. They only added a " Personal Statement '' to my credit file that has proved not to be effective because they are continuously accepting and adding more and more inaccurate, unverifiable information to my credit file. I know my rights as a consumer and will soon be seeking legal counsel regarding this situation if this it isn't remedied in a prompt, timely manner. I recently re-disputed the same information I am referencing today ( XX/XX/XXXX ), and I am just worried that nothing will be rectified this time either. I have been denied for credit several times due to this situation, which has caused me so much mental anguish and distress, because this reflects poorly on my financial portfolio.
Product: Money transfer, virtual currency, or money service

{$10000.00} was scammed from my Cashapp account that I use for my savings because I earned monthly interest there. Cashapp closed my account and then wouldnt respond to me when I was trying to get ahold of them. It took a bot an hour to respond. This happened on XXXX. Im only XXXX I live alone and I now have {$0.00}. I need help please.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} p XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX AM XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Had valid transaction in XXXX. Sender ( family member ) had fraud in their debit card and filed a fraud claim on specific venmo transactions with his bank. Appears  XXXX indicated all past two month XXXX Venmo are fraud and my credit he sent was part of it. Without a message or warning Venmo attempted to recall the funds from my account and now froze My account as it now negative based in the incorrect claim by XXXX. Without any explanation from Venmo im now calling and getting the run around from Venmo and now im told provide evidence. Why was this first not requested during their investigation and with a broad stroke im now locked out for 30-75 days and labled a fraudster. What kind of customer service is this Venmo? Beyond frustrating and poor customer service
Product: Debt collection

Debt collection or collector having my personal information or putting information on collection that I don't recognize or owe to them
Product: Mortgage

The Complaint company did not honor an existing account status when they bought the account.
Product: Credit reporting

I asked Equifax Of my payment history dating from now until 2007 for creditor XXXX and Equifax or XXXX can not provide me with my payment history dating back to 2007 the beginning of my loan
Product: Credit card

I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, 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

Absolutely criminal that experian closes XXXX complaints while still working on XXXX complaints THAT ARE EXACTLY THE SAME, THEY ARE XXXX NOTHING BUT HURTING MY CREDIT AND THIS IS IN RETALIATION FOR THESE COMPLAINTS
Product: Money transfer, virtual currency, or money service

Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to Citi Bank savings account ( XXXX ) on XX/XX/2023. 

Citi received the money on the same day ( XX/XX/2023 ) but automatically reversed the money back to Amex two days later ( XX/XX/2023 ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere.

Reason for the money reversal : Citi : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse.

Investigations : Citi : Citi started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to resolve these fraudulent accounts. 
The investigation into these fraud accounts was not properly conducted according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more with continuous reporting these fraud accounts to my credit file. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. These are fraud accounts. 
The Credit bureaus stated my account was properly investigated but how is that possible with no accuracies? 

They are also violating the law at this point, 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I began with two loans of XXXX and divorced was persuaded by the company to take forbearance which ballooned interest to XXXX, even though I pay my loan it continues to increase dramatically.I have to reapply every year and they increase my payment while interest increases.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX Account Name Account Number Balance Monthly Payment XX/XX/XXXXXXXX {$0.00} - - -No DataXX/XX/XXXXXXXX XXXX {$0.00} - - -No Data 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
Product: Debt collection

This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.