23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Buckles & Buckles P.L.C., a debt collector, along with XXXX XXXX   continue to attempt to collect a fraudulent debt ( Buckles & Buckles File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, Buckles & Buckles P.L.C., along with XXXX XXXX, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both Buckles & Buckles P.L.C., and XXXX XXXX several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both Buckles & Buckles P.L.C., and XXXX XXXX multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both Buckles & Buckles P.L.C. And XXXX XXXX that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before Buckles & Buckles, and XXXX XXXX claim I applied for, and opened the account.

Buckles & Buckles P.L.C., in conjunction with XXXX XXXX, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX I deposited a cashiers check in my name of {$7000.00} into my checking account after a vehicle sale XX/XX/XXXX I had moved those funds to XXXX XXXX  to repay a debt XX/XX/XXXX I had been locked out of my accounts due to USAA deeming the check fraudulent XX/XX/XXXX I contact the issuing XXXX XXXX about the check being fraudulent and got confirmation that the check was a valid check for the full amount XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made calls to USAA to try and resolve situation even receiving confirmation letter from the XXXX XXXX branch XXXX that the check was valid USAA refused to accept letter and still is holding onto funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my XX/XX/XXXX credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to provide a " hit '' on my credit reporting to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX., XXXX XXXX, NJ XXXX. As such, I had an adverse action and not approved for credit/bank account.
Product: Credit reporting 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. US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Account # : 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: Debt collection

We received a collection letter for a debt that we dont owe. We have never received a bill from original alleged provider. 

The demand letter encourages us to just pay the bill. Then if we dont they will pursue collection including credit reporting. 

This is an unscrupulous scam that preys upon people who are afraid of lawyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account ( XXXX {$910.00} ) on my credit files, i have contacted them requesting validation they say that there other company capital management is collecting for them. I contact Capital Management is sending me settlement letters by mail, asking for validation for this account that I have never had business with this company and tell me that they have no account info for me, but that I need to pay the account off with there offer. I have no knowledge of this account with either company. I have attached the settlment offer from capital management
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under favorable circumstances. I am writing to express my deep concern and frustration regarding the multiple attempts to remove a charge-off accounts from my credit report. Despite my continuous efforts and submissions of supporting documentation, the charge-off accounts remains on my credit report, adversely affecting my creditworthiness. 

I initially disputed the presence of the charge-off accounts, citing inaccuracies and providing relevant evidence to support my case. Despite my initial dispute, subsequent attempts, and the submission of additional documentation, I regret to inform you that the charge-off accounts persists on my credit report. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent attempts to rectify this matter. I believe it is imperative to reiterate that the continued presence of the charge-off accounts are hindering my ability to secure favorable financial terms and is unjustly damaging my creditworthiness. 

I understand the importance of a thorough investigation, and I appreciate your dedication to maintaining accurate credit reports. However, the protracted resolution of this matter is causing undue stress and financial hardship. As a consumer, I have the right to accurate and fair credit reporting under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you conduct a comprehensive review of my dispute and take immediate action to rectify the inaccuracies on my credit report by removing the charge-off accounts. Timely resolution of this issue is crucial to my financial well-being, and I believe it is in the best interest of all parties involved to expedite this process. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX  XXXX Balance : {$250.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Student loan

On XX/XX/XXXX I requested a refund from the loan servicer EdFinancial for all payments made after the payment freeze of XX/XX/XXXX. They failed to provide any confirmation statement, timeline, update to my balance on the EdFinancial portal or provide timeline on when refunds would be disbursed. I called up again on XX/XX/XXXX to inquire about my refund to which they stated there was no request. This is completely unacceptable as most lenders have been issuing refunds with in 30 days and have sort of confirmation that the request was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

one collection has been reporting under my equifax credit file, i have disputed several times but they come back and say it has been verified, an d i am sure they are not even disputing this inaccuracy, cause many times they have ignored my and my request. please have this inaccuracy removed from equifax credit agency. only they are the ones who are reporting this fraud account. 
please you are my last hope i call the collection agency they dont even have my information in their data base, not even my social or my name, they checked many times an i even know that i dont have any collections. i will be attaching my police report and the FTC report which i provided. thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends. 
I am always connected to a XXXX XXXX XXXX agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$660.00} XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I noticed on XXXX XXXX, XXXX, Equifax that my credit history is under 2years old but have an account that is older than 3 and I have had a much longer history than is being stated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

So I have tried too get XXXX, Equifax, and XXXX to get collections off of my Credit report. Collections that are on Credit Report is a violation because it is a Certificate of Indebtness and also considered as income and it can not be reported on my Credit Report.. 

I demand deletions of these account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian to improve my credit. Today, XX/XX/2020, I received an email from them saying to improve my credit get a XXXX XXXX that they matched to me. I took their advice and submitted application for the XXXX card. I was immediately denied and got an alert within seconds that said my credit score had been lowered by 12 points due to a hard inquiry on my credit report. If I wanted to dispute this to contact their customer service. I called customer service at Experian and the lady I talked to said this not disputable. I would need to contact Consumer Finance Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed an identity theft dispute regarding accounts on my credit reports that do not belong to me. I have attached the documents.
Product: Mortgage

This complaint is being filed against the FHA, concerning the Estate of XXXX XXXX XXXX XXXX XXXX XXXX, Ill. XXXX Case # : XXXX, was assigned on XX/XX/XXXX After our original request for payoff information on a Reverse Loan. since my mother XXXX XXXX, the homeowner had passed away on XX/XX/XXXX, without a will and we wanted to sell the house . We were told an Executor would have to be appointed by the court since there was no will. 

I was appointed Independant Administrator and on XX/XX/XXXX, I submitted to NOVAD management Consulting the following documents, Letters of Office-Decedents Estate , order appointing Representative 's Estate-intestate and a copy of the death certification, along with a six month request for extension. 

No reply was ever received. 

On XX/XX/XXXX, I again called FHA with My request for payoff information and was told there was no record of my prior contact and no reference to the case number and no record of documents having been received. I was once again asked to submit documents along with a Third-Party Authorization for release of records/ information. 

on XX/XX/XXXX, I sent requested document by certified mail along with Letters of Office - Descendant 's Estate and Order Appointing Representative, to U.S. Department of Housing c/o NOVAD Management . The package sat at the post of for days as it had been non deliverable. It was finally picked up, date unknown, but there was never any follow up. 

On XX/XX/XXXX, I called FHA again and was told there was no notes on prior contact and that NOVAD no longer held the loan for this account which was now being held by XXXX , again I was asked to submitted documents. 

At this point I contacted my attorney who in turn submitted court documents to FHA XX/XX/XXXX. They included Letters of Office-Decedent 's Estate and Notice of Probate and Release of Estate Interest in Real Estate . 

On XX/XX/XXXX, FHA responded by requesting documents in a PDF form this time with wet ink signatures, In the mist of these two potential buyers have pulled out of home sale deals because I failed to provide pay off documents. 

I can not sell a home when I do not know how much is owed on the loan. 

The property has now gone down in value as a result of two flooding incidents and the home being vacant for over a year, Please help me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nv. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to address a dispute regarding the inaccurate reporting of a bankruptcy on my credit file. XXXX has already removed this bankruptcy from my credit report due to inaccuracies and discrepancies. However, despite disputing this matter with Experian over 60 days ago, I have not received any follow-up or resolution. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to investigate disputes within 30 days and ensure that all reported information is accurate, complete, and verifiable. Experians failure to respond to my dispute is a clear violation of my consumer rights. Additionally, the Consumer Financial Protection Bureau ( CFPB ) enforces protections against unfair and negligent credit reporting practices, which Experian is currently engaging in by ignoring my dispute. 

I am requesting that the CFPB take immediate action to ensure Experian completes their investigation and removes the inaccurate bankruptcy record from my credit file. I have attached supporting documentation, including my original dispute letter, proof of the bankruptcy removal from XXXX, and any prior correspondence with Experian. 

I expect prompt intervention to resolve this matter. Please provide me with updates regarding the status of my complaint and the steps being taken to hold Experian accountable for their failure to comply with federal law. 

Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

Hello, So I open account with Coinbase and I had to link my bank account to transfer the fund from bank to Coinbase platform to be able to trade. Everything was successful till I had to sell my bitcoin for the amounts of {$1800.00} from Coinbase platform and deposited back to my bank account that is linked to Coinbase platform. 

Coinbase platform show that the transaction was completed by XXXX XXXX, 2017. But the problem is i havent receive the money yet and I cant reach out to Coinbase customer support and I have sent them multiple email with this matter to try to solve ASAP but unfortunately no response. 

This Coinbase fraud either stole my money or take the money to a different account and I need approve of the ACH transfer that has been done. 

Please advise how I can get my money back from the fraud company Regard
Product: Credit card

I made a purchase online through PayPal. However, the seller unilaterally canceled the order and did not ship the product that I paid for, refusing to issue a refund. 
In this situation, I filed a dispute with PayPal along with photo evidence, but it was denied. The seller clearly did not provide a tracking number, yet my case was automatically rejected by PayPals AI document review system, which is extremely unfair. 
I have requested a reconsideration, but there has been no change or update so far. 
Please take immediate action and ensure a proper and thorough investigation into this matter. 

Paypal : Transaction ID XXXX Invoice ID XXXX