23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a total of XXXX accounts that were purchased by XXXX XXXX : 1 ) XXXX XXXX with a balance of {$3500.00}, 2 ) XXXX XXXX with a balance of {$3500.00}, 3 ) Synchrony Bank/Care Credit with a balance of {$1200.00} and 4 ) XXXX XXXX BXXXX  with a balance of {$2000.00}. Unfortunately, I defaulted in all these credit cards due to a hardship and ended with them, all accounts are in a legal status, so this company is about to suit me. 
I am doing my best to prevent a big lawsuit from this debt buyer and later pay more money in interest and legal costs. I decided to work 2 of these accounts XXXX XXXX XXXX and XXXX Bank XXXX XXXX to show this debt byer I have good faith intention to resolve my debt and to alter work on another XXXX. 
My representative ( who called on my behalf ) contacted this company and after several attempts he got an offer for 60 % settlement for the XXXX XXXX and XXXX Bank XXXX accounts, thing that is great for me. The only issue is that the debt collector is asking for a single payment and I am not in the position to pay this settlement in a lump-sum, thing that is sad because if I dont pay this, and since the accounts are placed in a legal department, I will get suit and due to interest and court fees the balance will increase. 
I am just asking for help to split this offer in payments, I am getting the money form a family loan but since XXXX pandemic started is hard to put together $ XXXX together and no one in my family have that money. But I already made the arrangements, and I can afford payments of {$800.00} per month. Even we can work all for in once.
Product: Money transfer, virtual currency, or money service

I was reached out by an account manager to invest in https : //XXXX I said I didn't know much of investing. I initially started with a XXXX invested, once " profits '' increased I had to pay a fee of XXXX the account manager gave me his word no more fees after paying this and I can withdraw my money. I got an email that same night after requesting the withdrawal that I should pay a fee. I freaked out all these fees I wasn't told about and I had send it asap. I told them to please just refund my money I didn't care about profits anymore. To not make the story longer they said they would refund the money in 7 days but I could not re invest with my name if I wanted to in a future. Today after logging in the platform, I get a message the email doesn't have an account and both the account manager and person who contacted where know where to be reached and the customer service department on the website never responded. Total fraud after a total of {$9100.00} included I had a charge of {$3500.00} debited from my account unauthorized from me. I am giving this information because I don't want this to happen to any good person who makes honest income from these scammers!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

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

Experian Business Credit Reporting agency has failed to generate reporting of my PAYDEX score. 

Several times I have contacted Experian Business Customer service department request that my business tradelines from the following accounts place for credit basis. 

XXXX XXXX XXXX XXXX credit card XXXX XXXX business credit card XXXX and XXXX loan XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX to make 3 purchase to 2 different people claiming to have items for purchase. The total of all transactions was {$1300.00}. After both people went completely silent after transferring money using XXXX. After trying to get refunded for the purchases XXXX referred me to my bank ( Chase ) to refund it, stating there wasnt anything they could do and it was to be handled by the bank. After calling Chase they stated nothing could be done by them and said " sorry you got scammed but you authorized the purchase so we can't refund it ''. I have made attempts via email, phone and text to get ahold of the sellers to no avail and Chase and XXXX refuse to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Emailed the state of Tennesseee unemployment office with a fraudulent application in my name. 

Attempted to call Way2Go card debit card through XXXX XXXX  and report a fraud freeze on any further attempts at collecting monies against me.

First agent said they could not help me, made no attempt at connecting me with the fraud department. Hung up on me without further explaination.

2 more attempt transferred to fraud department with no contact with agents after holding for 45 minutes and 20 minutes.

Connecting with first line agents only took less than 3 minutes everytime.

My issue with all debit/visa etc is they should still verify through a  credit bureau for identity theft. To prevent further identity theft in having a credit card with stolen victims name imprinted on cards. 

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

Michael Andrews & Associates LLC obtained my consumer credit report on XX/XX/2022 without my consent from XXXX with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and XXXX has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!
Product: Credit reporting or other personal consumer reports

I previously disputed this inaccurate account twice already with XXXX : account # XXXX, balance : {$780.00}, date : XX/XX/24, address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX and the XXXX XXXX XXXX on XX/XX/24 diversified adjustment collections agency is violating the fair credit reporting act laws Violations : 1. Never contacted me by any means whatsoever about this collection before adding this account to my XXXX credit report 2. Ive previously disputed the listed above collection twice and still diversified adjustment agency has felled to validate this collection with any documentation Diversified adjustment agency I demand you remove this account immediately from my credit report asap or you will be facing a lawsuit your LLC you have been warned!!!!!! 

( XXXX credit agency ) please provide proof of your investigation so that I may follow up : 1. Please list the method used to verify each individual account?

2. Provide the names and dates of entities and phone numbers of the people spoken to who verified the accounts?

3. List all addresses of those people or entities use to verify accounts during the verification process?

4. Provide all documents proving inaccurate account information was indeed accurate?
Product: Debt collection

This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I've been using coinbase for quite some time never had a problem until Sunday XX/XX/XXXX I made an attempt to purchase a XXXX XXXX XXXX in order to use this XXXX to purchase another XXXX on my coinbase wallet after several attempts the money never tranfered to my portfolio on coinbase under etherium at first I thought there system was down and if I gave them a while things would set it self straight I waited until the next day still no etherium posted to my portfolio I called the bank and several transactions were sent to coinbase that never show up so the bank reimbursed me and I had to go to the local XXXX  branch to to do a security transformation were they gave me a new routing number and account number ok now that was done I'm still not able to buy any XXXX on coinbase or tranfer money from my coinbase wallet which I have thousands of dollars connected with both coinbase and coinbase wallet tried many different ways to connect with coinbase only to be told things are in review I'm getting the run around need help
Product: Student loan

I submitted a Pay As You Earn Repayment plan for my loans on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I submitted proof of income via regular mail shortly thereafter. The servicer in question, FedLoan Servicing, has not put me on this repayment plan even though they claim I am eligible. To have my application for XXXX considered, the servicer told me via phone last week, I must make a $ XXXX payment. I can not afford to do this! Since talking to the rep over the phone, the amount the servicer is requesting was increased to {$2200.00}, when my monthly income is only {$1600.00}. I am a full-time employee of the federal government and I have been trying to get on a reasonable payment plan so I can qualify for XXXX XXXX XXXX XXXX. 
Please note that I have other outstanding student loan debt with XXXX, XXXX, and XXXX.
Product: Checking or savings account

I open the account years and years ago. Always had problems with this bank resolving issues like fees, money taking long to hit the account etc. 
I tried not to use this bank. I ended up opening another account with another bank. I have very little money on the account and get charge for fees every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX  : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT NUMBERXXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a Brinks prepaid XXXX when I never requested one or signed up for anything that would've resulted in a card being sent to me. I feel that my privacy had been violated by them sending this card unsolicited.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of t
he banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies with corresponding account numbers ; XXXX XXXX XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/2021 I received an email ( to and old email account ) from XXXX XXXX XXXX saying I owed {$1100.00} for a new XXXX. Someone used my name and old email address and had XXXX XXXX XXXX  ship a new XXXX to a town XXXX miles from where I live. ( I have been a XXXX customer for 15 years and have never used XXXX XXXX XXXX. ) I tried multiple times to contact XXXX XXXX XXXX but could not because I've never had an account number with them. They sent this to a collection agency XXXX XXXX XXXX XXXX ) and after multiple contacts with them in XXXX and XX/XX/2021. I thought this matter was closed. 

XXXX XXXX, 2021 I receive an email saying that SUNRISE CREDIT SERVICES, INC. ( a SECOND collection agency ) had contacted XXXX regarding this same debt. So I called Sunrise and had to answer a number of questions and was told they would send me something in the mail. 

I am tired of spinning my wheels on this matter and sick of being harassed because someone committed fraud against XXXX XXXX XXXX using my name and email address. I can't seem to stop this ... can you please help me??
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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

On XX/XX/XXXX, I purchase a ticket through XXXX. When I got to the payment screen there was an offer to open a XXXX XXXX and get a {$400.00} statement credit and XXXX miles. I accept it the offer and apply for the card and comply with their requirements. Today, XX/XX/XXXX I got in contact with AMEX, and I was told that because I already had another AMEX CARD ( not XXXX ) I couldnt get the bonus. No where on the offer said that a customer couldnt get the offer if you had another type of AMEX card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below are the inaccurate accounts from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the State Insurance board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account appearing on credit report. 


XXXX. XXXX XXXX XXXX {$20000.00}
Product: Payday loan, title loan, or personal loan

Chase bank is holding loan in suspense {$17000.00} since XX/XX/. This is wrongful interference of a third party loan. The loan is Incurring interest and I would like returned to XXXX treasury immediately on my behalf so that funds can be reissued.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. My nonpublic personal information is written all over a public report. Equifax is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' Equifax does not have my consent to furnish this information and they absolutely do not have my written consent. The fact that Equifax is ignoring me saying I have a right to privacy that they do not have a right to ignore that and they they continue to violate my rights. Equifax need my consent to furnish information on a consumer report with a likeness to my name any and all consent Equifax in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' Equifax never informed me that i had a right to exercise my nondisclosure option. I do not consent to my personal nonpublic information being shared on a public consumer report that anyone with XXXX can obtain. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax is not maintaining reasonable procedures. They are not removing items while they investigate. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of any and all debt collectors reporting to my consumer report.