23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have received a check ( ref # XXXX ) from Chase Bank in the Amount of {$3.00} in reference to a prepaid card I had an outstanding unpaid balance with the State of Tn Unemployment. 

My issue with Chase is now proven that this was a VERY VERY shady & crooked deal. The State of Tn made a seizure of IRS withholdings they were not entitled under the premise that I was not entitled to unemployment checks I received, I was unemployed and records show ... I received checks for every week I was unemployed. 

If I was not entitled to the $ $ why didn't they first seize this {$3.00}, secondly I now see how Chase was wrapped up in this corruption and ANOTHER example of the purpose the CFPB was created.. To combat the corrupt banking XXXX   consumers and leaving us helpless to defend and have equity.. 

I'm owed an outstanding $ 1700-ish plus compounding interest at whatever the rate is for a personal loan of that size!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to transunion.

i have asked to send contract that bears my signature no response.

they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged.

Transunion also has fail to verify information and provide such information to me on several attemps to resolve this XXXX, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$65000.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it concerns, I recently received a copy of my consumer reports ( XXXX, XXXX, XXXX ), and I noticed that your company is reporting Late Payments on my consumer report. 

DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET ( XXXX ) Your company is in clear violation of the law. Under 15 U.S. Code 1681 ( b ) permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Please answer the following questions : - Did I give you written instructions to furnish this account on my consumer report?

- Do you have a Power of Attorney to act on my behalf that was signed and certified by a Third-Party to confirm your authority to act?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the Consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

You have 10 calendar days to update my account and remove ALL late payments that are reporting. 

DEPT OF EDUCATION-NELNET ( XXXX ) DEPT OF EDUCATION-NELNET XXXX XXXX ) Your failure to respond satisfactorily with the deletion of the above Utilization will result in REDRESS being taken against NELNET and its CEO XXXX XXXX XXXX XXXX, for which I will also be seeking a sum certain $ XXXX United Stated Dollars per violation for : 1 . Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance section 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Govern Yourselves Accordingly. 

Regards, XXXX : XXXX, XXXX rep/agent/living beneficiary/grantor all rights reclaimed and reserved.
Product: Credit reporting or other personal consumer reports

This account is not mine. Please remove this fraudulent account from my credit report. Thank you!
Product: Debt collection

I am writing to you regarding the fraudulent accounts that are still appearing on my credit report despite my previous dispute. I am deeply concerned about the accuracy and integrity of my credit history as these erroneous entries are impacting my financial standing and credibility. XXXX XXXX XXXX XXXX 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 card or prepaid card

On or about XX/XX/XXXX I reported fraud on my account. This particular website had an update and I didn't have access to my billing statement. I just saw what was owed and freaked out because it was maxed out. Upon further conversations with XXXX through an email I realized what was fraud and what wasn't. The total charges that should be fraud are XXXX not {$960.00}. I received a letter on XXXX stating that the charges were made from me. I asked why and I got a response that I used the physical card in the middle of the fraud claim. There are many ways scammers can skim and copy a credit card including a chip. Some of the charges that were startling was from XXXX, NY which is XXXX miles away from me on a date that I was with my Mom and daughter in my home town. Another charge for XXXX and I have never stepped foot in that store as I am a plus sized woman. It goes on to XXXX, XXXX 's, It's XXXX, XXXX and XXXX, XXXX  etc... I contacted these merchants and they have never seen me until I stopped in to investigate. I would like proof that these transactions were indeed mine because they were not. I have called them and left voicemails, I've called and left messages with Avant, I have even faxed them. 
On XXXX I filed an escalation claim with Avant and was told I would receive a response within 14 days. I didn't hear a response. I then faxed them on XX/XX/XXXX and no response. I called and left another voicemail on XX/XX/XXXX and XXXX and was told that it takes 90 days for them investigate from an Avant XXXX Their response on XXXX is that I email them. The email on file that they have has been compromised. I no longer have access to it. Probably another further indication of identity theft/fraud.
Product: Credit reporting or other personal consumer reports

I received an email about my credit from XXXX XXXX  XX/XX/24. Apparently it was pulled from Experian. STOP ACCESSING MY CREDIT REPORT! THE INFORMATION IS FRADULENT! XXXX IS INVOLVED IN XXXX  FRAUD! STOP CONTACTING ME! EXPERIAN, LOCK MY REPORT AND STOP SHARING WITH EVERYONE! I DONT WANT ANY CREDIT, AND I DONT WANT YOU SHARING A REPORT THAT CONTAINS SLANDER AGAISNT ME!
Product: Credit card or prepaid card

I applied for the Comenity Bank/XXXX Mastercard . My application was denied due to a freeze on my credit account. None of my credit bureau accounts are frozen, and I double checked this as well. This is not a legitimate denial. I proceeded to call Comenity Bank, and after being transferred several times, I reached the proper credit review department and they asked for my reference number. I didn't have the document anymore with the reference number, and so they told me they couldn't help me. Now I have a credit inquiry on my credit report that is incorrect, as well as a denial that I can not properly confirm to be accurate.
Product: Debt collection

OK this is XXXX XXXX XXXX A company name XXXX XXXXXXXX has put a false and negative collection on my credit report. This has drop my credit score 29 points .. I had a XXXX score now I have a XXXX.this is false because I do not owe them anything. I never heard of them at all.. I think they brought the debt from some one because the debt is not mind I have not a clue what they are talking about.. According to the fair credit reporting act. by LAW they have to VERIFY the debt. they Have to have the ORIGINAL CONTRACT .or ME on camera signing the ORIGINAL CONTRACT .OR my IP ADDRESS opening a ORIGINAL CONTRACT .. when I request this things they got nasty with me over the phone.. SO I Request it in writing they did not respond to my request. they just Proceeded to VIOLATE the fair credit reporting act .. Now I want to SUE them AND I need your help >BECAUSE they hurt me and my score. XXXX XXXXXXXX COLLECTION AGENCIES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX they brought my information of a public record of a federal lien on me and my business Which I payed off in full.. I started RECEVING phone call and letter ever sence then..
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The credit bureaus have reported these toyota accounts as Updated with accurate information.

I am still seeing inaccurate/incomplete information being reported to my credit report.

Not only was one of the accounts satisfied by XXXX XXXX.it is reported as a Charge Off, which according to our laws represents stated Income. income can not be debt.

I have attached photos with highlighted, underlined, circled, and arrowed issues.

I have already requested a complete update with 100 % accurate information reflecting. There is still information missing and inaccurate information reported.

I am requesting immediate removal of Both XXXX  accounts from my credit report, without prejudice.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer ( There is CLEAR inaccuracy in the information reported, but even after multiple disputes, the account remains reporting inaccurate/incomplete 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of : ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( I have not received verifiable proof of accuracy, nor accurate accounting ) 15 U.S. Code 1692e - False or misleading representations ( Boasting Accuracy- Reporting Inaccurate information )
Product: Credit card

An unauthorized credit inquiry was made on all XXXX reporting agencies by capital one. I continue to get solicitation from this company even after I requested that they stop
Product: Money transfer, virtual currency, or money service

I had an account with XXXX XXXX ( part of Coinbase ) and had {$10000.00} in my XXXX XXXX account when, on XX/XX/18 they notified me via email that they were closing my account. They stated that I need to withdraw my funds from my account, but I was unable to login to my XXXX XXXX account to do so. 

This case did not involve digital currency at all, simply a USD wire I sent from my verified XXXX XXXX XXXX account that has not been returned. 

I called Coinbase 's customer support line and described how I was unable to withdraw my funds from XXXX XXXX, and asked to speak with a representative with XXXX XXXX. They stated that XXXX XXXX had no customer support phone number, but that they would assign a specialist to my case and due to the nature of my issue, they were going to " escalate '' my case for quicker response. They told me I should expect an email from XXXX XXXX " within 5-7 business days '' to work with me to resolve the case. I then received an automated email right after the phone call stating that they have opened the ticket for my case. 

After about 2-3 weeks, I had no calls or emails to follow up on the case, so I called again and emailed again and they said again that it was escalated and awaiting response by specialist and sent another automated email each time. For the next 6 or so weeks I repeated this and still got the same response and no resolution. 

It has now been 57 days since my account closure with no contact with a representative to send my funds back to my account. I think this is an unacceptable treatment of a customer. I have attached my email correspondence with Coinbase Support since my XX/XX/18 account closure notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX  XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2021 ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$7800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}
Product: Debt collection

This company NCA is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from NCA with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay NCA. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and NCA. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Debt collection

Received a call from XXXX XXXX. The entire Message is as follows. This is an investigation into ( MY Name ) I need to speak to him of his representing attorney Have him call XXXX in the mean time I will try to leave messages with ( my mother, my wife, my ex-wife, my sister, an unknown person, an uncle I have n't seen in XXXX years ). My wife called him and he said he was looking at our financial information and could tell we had money to pay him. He said he would call our current creditors and leave derogatory information. He then proceeded to tell my wife that " They '' original creditor XXXX XXXX XXXX could, would, and will get their money. At no point did he disclose his employer. We waited to call " After hours '' and it then says who what and where the call came from. I never received any written documentation from this company so I could dispute. I believe that due to me disputing information on my actual credit report that he was able to contact me.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the unresolved disputes I have filed with XXXX, Equifax, and XXXX. Despite my repeated attempts to rectify inaccuracies on my credit report, it has been over 60 days, and I have not received any response from your agency. 

I have meticulously detailed the accounts in question in my dispute letters and explicitly outlined the violations these accounts represent in terms of the Fair Credit Reporting Act. The lack of acknowledgment and resolution from your end is not only alarming but also a blatant disregard for the rights granted to me as a consumer. 

In accordance with the Fair Credit Reporting Act, it is imperative that the information on my credit report is 100 % accurate. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these provisions by failing to report accurate information within the stipulated timeframe. 

I am attaching copies of all the letters I have sent previously for your reference. It is disheartening to see the lack of urgency and commitment to resolving these issues, which are impacting my financial standing and overall well-being. 

I demand immediate attention to this matter and a thorough investigation into the violations outlined in my disputes. The persistence of these inaccuracies not only jeopardizes my financial health but also undermines the integrity of the credit reporting system. 

I expect a prompt response and resolution to these issues in compliance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to restoring my confidence in your agency. 

Thank you for your urgent attention to this matter.
Product: Debt collection

( I a lso did not receive a notice of right to dispute. ) Apex called my cell phone asking for me. They wished for me to verify certain personal information before talking to me, which I declined to give since they did not tell me their name or company information. They said this was about " an account '' I opened ( without any details, no company, no amount ), and did I open said account? I asked what account, and they said they could not tell me until I gave them my information. I declined again, saying I was not going to give personal information to someone over the phone not knowing who they were. They said they were Apex. I said that I have no idea who that is, and declined again to give out information. They said " Then I ca n't help you '', and hung up on me. I had no idea this was a legitimate business until something showed up on my credit report. I never received anything in the mail from them. They also recently called my parents ' home where I no longer live. In this day and age, personal information needs to be protected. It is absurd that Apex calls asking for information without even stating who their company is, the caller 's name, or even what account they are referencing. Any shady person can do these things, why would a legitimate company?
Product: Credit reporting or other personal consumer reports

XXXX XXXX who Im not aware of have placed a XXXX on my credit report and when I asked them to validate that I owe this company or debt buyer this debt they didnt respond but quickly removed themselves from XXXX of my bureaus but yet not the other, the company who I co signed for Ive already paid and they are listed on my report so this company is tryin to get money not owed to them