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

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company ABSOLUTE RESOLUTIONS, PORTFOLIO- I and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts.
Product: Money transfer, virtual currency, or money service

During XXXX, Coinbase ran a XXXX Trading Sweepstakes. To enter, existing account holders were simply required to : 1 ) Opt-in, and 2 ) Trade the equivalent of {$100.00} in crypto. Then Coinbase was supposed to send confirmation by email. I completed both requirements. Coinbase never confirmed my entry by email. So I reached out repeatedly to Coinbase Support asking them to confirm that I was entered, and Coinbase repeatedly refused. Based on my interactions with Coinbase Support, I think it's clear that this " sweepstakes '' was simply an attempt by Coinbase to generate transaction fees without actually providing anything in return for smaller traders. I wanted to submit this complaint so that hopefully Coinbase would do better by all of its customers in the future.
Product: Debt collection

CREDIT MANAGEMENT Last reported XX/XX/XXXX {$270.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( 3 yrs, 6 mos ) I have filed multiple dispute letters and have tried all means to get this XXXX cable bill off my credit it is reporting on XXXX  only. I am a victim of identity theft i sent this company the letter i received from the social security office as well as from the U.S Marshals. I have been XXXX  since early XXXX. There is no way this belongs to me. I've tried to communicate with them but they fail to respond. I was released XX/XX/XXXX of XXXX. This is debilitating my chance to progress. I need help i do not know what else to do? I've sent 5 letters from XXXX with the dates i was XXXX  and they just ignore my letters. All my letters have been notarized and sent priority mail from inside of XXXX. They're reporting this account and another one which i will file a complaint with as well. I included a fraud letter and the letters from the U.S marshal 's and to no avail. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with XXXX XXXX Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from Experian showing the aforementioned as reporting this information with a " balance '' of : {$110.00}. I am demanding XXXX XXXXXXXX to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand XXXX XXXXXXXX to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character and fraud in Federal Court.
Product: Money transfer, virtual currency, or money service

Dear madam or sir, I was trying to deposit CZK XXXX XXXX to my Coinbase Pro account which is denoted in XXXX. Hence, I used XXXX XXXX now just called XXXX XXXX to transfer the money XXXX EUR XXXX after exchange ). However, I forgot that Coinbase requires the account from which the money comes to be registered on my Coinbase account first. Once I noticed, I registered it and Coinbase rezognized it. However, they have never actually deposited the money to my Coinbase account. 

I have continuously filed many complaints through their platform in which I described the problem in detail. I always got an answer that the issue was either solved or that they are still looking for it after which they just sent a generic email that if I still need a support I should contact them. I always did, but still nothing happened after many months. 

Please find attached the report of the transfer from XXXX and the screenshot of the complaints I filed to Coinbase. 

I really hope you could help me. 
Kind regards, XXXX XXXX
Product: Credit card

My fiance added me as an authorized user on her two capital one credit cards. I have been on them for almost 9 months and now they are removing me without an explanation. Stating that there is current or past issues. I also opened an credit card account in my own name and they closed it and charged late fees after closing the account without an explanation.
Product: Student loan

American Education Services is scamming XXXX of Americans out of their hard earned money. First let me say that none of my student loans were ever explained to me by my financial aid offices at the University XXXX at XXXX, University XXXX at XXXX, University XXXX XXXX or XXXX XXXX University. I was told that these were the only means of financing my education and that everyone had loans because the loan repayments were so easy and the cost to borrow the money was so cheap. Now I am riddled with student loan debt I do not understand. My federal loans seem to work just fine, I have set them up on automatic payments and I can see each month that the principal is reduced. My private loans, XXXX from AES specifically, are a much different story. AES has returned my payments on several occasions XXXX weeks after the payment was made and told me that my checking account does not exist just so that they can charge me a late fee, I resubmitted the same information about my account to them and the payments was processed without any issues but with the added late fee. My principal balance is XXXX times the amount that I borrowed XXXX years ago and they are applying 100 % of my payments to interest only despite that fact that I am not on an interest only repayment plan. I sent them a message through their email service in XXXX asking them why this was happening and I was told that I had made my last interest only payment that month ( extremely convenient ) and that my future payments would go towards my principal but alas even today my payments are being applied only to interest on my loans which never seems to go down. I took out approximately {$44000.00} from them around 8 years ago and today my balance is over {$65000.00} despite me paying over {$500.00} a month. In addition they purchased my loan from XXXX and despite paying nearly {$900.00} this year on that loan only {$110.00} has been applied to the principal. At this rate I will never pay off these loans, I will have a payment for the rest of my life. There is no light at the end of the tunnel with this company, they are not honest or they are incompetent but either way they need to be stopped. Knowing that I will never stop paying them as long as I live and knowing that because of the federal protection this bank receives on their private student loans I will not be able to rid myself of this bad debt in my lifetime, I am hopeless. I will spend the rest of my life handing over {$6000.00} a year ( that means I have to make {$12000.00} just to pay them off ) to an immoral company who is being protected by the same government who already takes a XXXX of every dollar I make. You have created this website to give people a voice and I suspect that this is all this website is intended to do by letting people write down their terrible experiences and feel like they have been heard. I am submitting this assuming that nothing will ever be done to this company and that should let you know how desperate I am.
Product: Credit reporting or other personal consumer reports

Reported to XXXX  and discover that this account is fraudulent provided proper paperwork over the last several years. XXXX have been taking less than a day to deny my request
Product: Debt collection

I have been receiving calls & voicemails from a debt collection agency, HunterWarfield, XXXX, XXXX, XXXX, since XX/XX/2020, daily, for a debt apparently owed by my daughter, that I have no responsibilities for, e.g. : I have never cosigned a loan for her. I also sent complaint to the Iowa Attorney General a week ago, but at the time I did not know why they were calling me. Earlier this week they left voice mail asking for my daughter. I will not answer their calls or contact them as the research on this company indicates they use bullying, threatening, and scammy techniques.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX : XXXX 15 U.S. Code 1681 section 602 ( a XXXX states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions,
Product: Money transfer, virtual currency, or money service

When Zelle first opened they did not have a warning for when the money gets sent to other users. So if you sent money to the wrong person there was nothing the bank could do to fix this.
Product: Credit reporting or other personal consumer reports

I reached out to the CFO of XXXX XXXX XXXX XXXX to get full disclosure on all alleged debts/accounts. In accordance with hjr 192, public law 73-10, 18 USC 8 , a bank technically doesn't loan anything, and is not the creditor, therefore there can be no debt. The three major credit agencies, XXXX, TransUnion, and Experian are not following the law, when it come to credit reporting. Each one of those agencies, have different information about the exact same accounts. They are not investigating any alleged debts, they are just placing alleged debts on credit reports without doing their due diligence. In doing so these credit agencies are causing me personal injure. These credit agencies are not following consumer laws, and neither is XXXX XXXX XXXX XXXX. I have been trying to resolve these issues for over there years. I have sent XXXX XXXX debt validation, and debt verification letters, several times. The only response I received is a promissory note, that isn't showing any validity of debt. There were no meeting of the minds, at any time, there was no equal exchange. As for the credit reporting agencies, I have never authorized them, not given consent for them to post my personal information. The credit reporting agencies are mere private entities operating in the public. Not one time had either company reached out to get my consent to publish any of my private information. Each and every agency is committing identity theft, and violating the consumer laws which governs them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Wells Fargo located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXXXXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Its been four years and I dont get receive any tangible reason. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 


Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX New York XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one 30 days late payment reported on an account. I was never been 30 days late payments for Consumer Reporting Agencies as they assumed. They have a vital role and responsability to report Consumer information in safety way, and the best ability with Maximum Accuracy. I have never been on late 30 days payment for the Account " XXXX XXXX XXXX XXXX' with account number " XXXX ''. Please investigate and provide good information that these payments, were late for more 30 days. Otherwise If proof CAN NOT be provided, I request to fix these wrong information payment status be moved and updated to " ON TIME '' status as they should be. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate addresses and incorrect account balances that are currently appearing on my credit report maintained by your agency. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and resolution. 

These inaccuracies are not only misleading but also potentially harmful to my creditworthiness and financial reputation. I have identified charge-off accounts with incorrect balances listed on my credit report. These inaccuracies are significant as they misrepresent my credit history and financial standing to potential lenders and creditors. I dispute the accuracy of these balances and request a thorough investigation to rectify this error promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the integrity and accuracy of the information you maintain. Failure to address these inaccuracies in a timely manner may result in legal action. With this, I am asking for your assistance to remove these charge off accounts and inaccurate addresses in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00}.
Product: Credit reporting or other personal consumer reports

There are billing errors in my credit report showing wrong late payments. Kindly address and update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and am writing to dispute the following information that appears on my reports from XXXX, XXXX, and Experian. Please verify or remove the following accounts immediately : XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Experian ) Current Balance : {$8100.00} Payment History Issues : Repossession, XXXX days late I dispute the accuracy of this account, particularly the reported repossession and payment details. Please investigate and remove any inaccurate information that can not be verified. 

XXXX XXXX Account Type : Auto Loan ( Installment ) Account Status : Closed Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Experian ) Current Balance : {$15000.00} ( XXXX ), {$16000.00} ( XXXX and Experian ) Payment History Issues : Repossession, missed payments, charge-off I dispute the balance and the payment history reflected in this account. Please verify or remove any inaccurate information. 

XXXX XXXX XXXX Account XXXX : Charged off I do not recognize this lender or account. This account was charged off and reported on taxes, yet I have not received a XXXX form. Please remove this inaccurate information from my report. 

XXXX XXXXXXXX XXXX Account XXXX : Unknown I do not recognize this lender or account. Please remove this inaccurate information from my credit report. 

Additionally, I dispute the following hard inquiries as unauthorized or inaccurate. Please delete them from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX on XX/XX/XXXX I do not recognize these inquiries or recall authorizing them. Furthermore, I never received a product or service related to these inquiries. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand that these items be investigated and removed if they can not be verified. I understand that you are required to complete the reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Regional Finance has been trying to collect a debt in the amount of XXXX. From XXXX that I never owned. I have answered the calls to let them know I never accepted their loan and they said they would send me paperwork to get a complaint filed and they never did. In addition to that, this loan was accepted while I was out of the country so it is impossible for it to have been accepted by me. Speaking with them it seems that the loans are made in the form of checks mailed then you just go cash them. The collection is affecting my credit and the calls are getting out of hand. No longer know what to do to get it removed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the GOODLEAP LLC came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.