23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never received a debt validation nor debt verification from the 3 credit bureaus on this account. I have requested this information several times as this is outdated debt from XXXX XXXX, over XXXX XXXX XXXX.
Product: Student loan

My student loans were with XXXX my interest rate was very low All of a sudden my loan was taking over my navient which I never authorized. Now am stuck with them and about a year my loan is 10k more then I owed. Monthly payment is so highly I have to defferred every year or I will be sent to the credit bureau. I want to know can navient take over a student loan without the student signed consent?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX ) . Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Product: Debt collection

I paid XXXX XXXX XXXX XXXX XXXX {$18.00} by XXXX Check # XXXX dated XX/XX/2018. They kept billing me for the same amount. Eventually they referred the bill to a collection agency that is now trying to collect this amount. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX. I notified Transworld that the debt was paid but they keep billing me and attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a investigation on XX/XX/XXXX and XXXX XXXX received on XX/XX/XXXX via certified mail.I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that XXXX continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with XXXX and the results was the information was accurate. I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via XXXX. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the XXXX agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX has yet to verify. Thank you
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft i ve been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for four years and come back home and find a bunch of accounts on my credit report that i have no idea what it is and this is illegal i was never contacted or notified and mailed or emailed and i contacted these banks and asked for contracts and signatures to know who did this to press charges on somebody and no one responded or cared and this is illegal and as of 15 U.S CODE 1692g Validation of debts they should've notified me or mailed me called me but nothing like my life is nothing i have kids 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove these fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these inquiries XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a school loan with XXXX XXXX XXXX XXXX XXXX. I reported that the wrong account number is listed on my credit reports with XXXX Equifax, and XXXX 

I had several account numbers for some reason, and some were deleted due to sending debt validation letters to each credit reporting agency. 

On XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I sent certified mail and debt validation/verification letters. They did not share how they verified/validated the debt with XXXX XXXX, as requested on my notarized letters. 

Excerpt from my notarized letters to credit reporting agencies. 

" Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified '' NOTE : I have 3 rounds of debt validation letters, with certified mail receipts, and the documents that I sent for review and support my case.
Product: Money transfer, virtual currency, or money service

Money wire deposit not received. 

I sent a wire deposit to Coinbase in the amount of {$26000.00} on XX/XX/XXXX, It is now XX/XX/XXXX. They state on their website that money wires typically take 1-2 days. This fiasco cost me {$94000.00} and counting on just one investment. I am utterly disgusted with them and they make me wan na XXXX every single day. If they cant handle to take on extra business then they should not allow new customers until they get properly staffed. I absolutely hate incompetence. It wasnt till after I read all the other complaints on XXXX about customers with the same issue before I realized I had a real, and even more serious problem. Some customers havent received their money going on two months! Im hearing rumors that Coinbase is a Ponzi scheme, that they are borrowing our money as long as they can interest free, etc. Im going with fraud/scam though because I havent received it as promised. 

People involved are XXXX XXXX and Coinbase. XXXX XXXX confirmed that Coinbase received the wire, but when I call Coinbase they tell me they have no record of it. I also have no record of any pending transaction on coinbase. So either XXXX XXXX   blatantly lied, Coinbase has it but dont want to release it to me, or XXXX has it. Thats for you guys to figure out. In this case I really hope XXXX has it because I heard if you give, you shall receive 10 fold. That would give me my losses back and some. 

My next step is to file a complaint with the BBB and FBI. If you suggest any other avenues of approach please let me know.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX, XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX ( original creditor : XXXX  )
Product: Checking or savings account

On XX/XX/XXXX I opened my 5/3 bank account and saw a pending charge for {$390.00} from XXXX on my checking account. I immediately called the bank to let them know there was fraud on my account. Customer service said I needed to wait until the charge went thru and they took my money before they could dispute the charges. The next day the charges went thru and I went to the banking center to dispute the charge on my account. After 8 days they gave me a provisional credit and I thought it was taken care if. I had a new debit card and my money was returned, When they did the initial dispute there were a few other charges I never saw on my account from earlier in the year - starting n XXXX for a total of {$18.00} that they also disputed at that time. The bank has now taken my {$390.00} back out of my account on XX/XX/XXXX and to add insult to injury they are stating that due to regulation E they will NOT return that {$390.00} because I didn't report fraud earlier.. I had no clue it was there.. but it gets better,, on XX/XX/XXXX I was woken up to a text message from 5/3 bank at XXXXXXXX XXXX asking me if a {$390.00} charge from XXXX was my charge- I declined it and they shut my card down againbut did NOT BLOCK the charge and XXXX got another {$390.00} and the bank forced me to wait again until the charge went thru my account and they took my money AGAIN on my NEW card that the bank issued me incorrectly and I am now disputing that charge. Apparently the bank MANAGER did not properly shut down my debit card and allowed Mastercard to send my new card information to XXXX to hit my account yet again for another {$390.00}. At XXXX XXXX I responded that it was not my charge and the bank still allowed XXXX to take my money and forced me to dispute another charge that was caused by the bank manager for not properly shutting my debit card down in the first place. I have now filed three disputes. The bank gave me {$18.00} of the total {$810.00} that has been fraudulently charged on my account and told me too bad on the {$390.00} that was charged in XXXX and that I should have reported fraud sooner.. If I had I know there was fraud earlier on my account I would have reported it immediately. The bank refuses to refund {$390.00} that was disputed from XX/XX/2023 and I am still waiting on a provisional credit and final credit for the second {$390.00} that was stolen from my account dur to the incompetency of the manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent 609 letters to XXXX, Equifax, and XXXX requesting proof of debt for the listed accounts below. I have not received any response from any of the 3 reporting agencies. 
XXXX XXXX XXXX XXXX business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these items be removed from my credit report/profile as it is inaccurate.
Product: Credit card or prepaid card

Hi, I recently applied for a credit card with BofA but was declined due to 2 reasons : 1 : not enough relationship with bofa ( not a lot of funds ) 2 : too many inquires I would like to use this opportunity to remedy and explain : I highly value my relationship with BofA and therefore I have deposited decent amount of cash, if the card is approved I will be going for Platinum Honors status by depositing additional funds. The reason for too many inquires is because I have been applying for the same card from the same institution with no result - XXXX. I hope BofA can take another look at my application I have attached my debit card number with this inquiry
Product: Mortgage

I have been working on a short sale contract for my condo in Florida with GreenTree ( now Ditech ) since XX/XX/XXXX. I have a real estate lawyer to help me navigate this but he has not been able to get much response from the bank. They are constantly passing my contract to a new negotiator who claims to know nothing. This buyer has been very patient and agreed to the bank 's asking price of XXXX ( which is above all the comps ) in XX/XX/XXXX, yet the contract fell through because GreenTree was not responding to any calls or emails from my lawyer. I almost lost this buyer but he decided to give it another shot, we resubmitted the contract in XX/XX/XXXX, and still the contract gets no response. This is for the amount the bank negotiated and I have provided all paperwork they asked, so why is this not moving forward? I 'm afraid this will go into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IA NOT A COPY AND PASTE I NEED MY CREDIT FIXED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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: Money transfer, virtual currency, or money service

I am disputing Wells Fargos response ( Wells Fargo case # : XXXX ). Please thoroughly answer the following question : WHERE WERE THE FUNDS TRANSFERRED TO ( i.e., bank account, etc.? 

WHO RECEIVED THE FUNDS ( i.e., persons first and last name )? 

I am asking these questions because I DID NOT AUTHORIZE A TRANSFER OF MY MONEY TO ANYONE!! 

Please answered questions indicated above.
Product: Credit card or prepaid card

I received a statement from Discover card in XXXX that showed a charge from XXXX in the amount of {$160.00}. I called Discover at XXXX and got their fraud department. I explained that I had not ordered their virus protection and would never pay that much for such a program and they told me the charge would be reversed & nothing else needed to be done. Shortly thereafter I received in the mail a letter saying a dispute case had been inititated by XXXX. I responded stating that XXXX had my name & credit card # from a purchase made once before but their so called evidence had me living in the wrong state, had an incorrect IP address for my computer, had sent sample invoices & sample e-mails that did not contain my name. Actually showed two invoices ( neither with my name on them ) for {$39.00} and for {$160.00}. Discover card then reversed the charges which did not appear on my following statement. Around the end of XXXX I received the same exact evidence and letter stating they were putting the {$160.00} charge back on my credit card. I responded by sending them a letter on XX/XX/23 disputing the charge once again and showing why each piece of their evidence was not valid. I have not heard from them since. For the last 40 years I have had an excellent credit rating and this really upsets me. I am a retired XXXX and living on fixed income I WILL not ever pay a debt other than my own. Your help is truly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting on my credit file ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX_XXXXy XXXX- This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX, I opened an account with XXXX for a line of service. After years of continuous calls to the company because I was not able to receive adequate service i.e. dropped calls, no service at time. Each time, XXXX continue to promise to rectify the problems by putting up new towers in my area, this never happened. In XX/XX/XXXX, XXXX agreed to release me from my contract with no money due. I checked my credit report in XX/XX/XXXX to see that my closed account with XXXX had been sold to a collection agency and placed on my credit report with derogatory comments. I was never notified prior to it being placed on my credit report in writing nor by phone. They just started with the harrassing phone calls in XX/XX/XXXX. From XX/XX/XXXX until now, I have called the collection agency trying to explain to them what happened, they told me I had to call XXXX. I have called XXXX. XXXX no longer has the account because that 's been some 10 years ago and due to their agreement with me. They account was suppose to be paid in full. I 've been back and forth with this collection agency. They are calling me two and three times a day 6 days a week. I 've tried to explain to each representative that call me to no avail sometimes they are just downright rude.
Product: Prepaid card

I have an AmEx gift card for {$500.00} that was apparently escheated. I submitted this issue already ( CFPB reference no : XXXX ) and received a response with a letter from XXXX asking me to email them a copy of my gift card and driver 's license to get a replacement card. The email address provided in the letter had a typo and I got a bounceback ( XXXX ). I ended up trying to email what I assumed was the correct email ( XXXX ) but have received no response.
Product: Debt collection

XXXX XXXX keeps calling me everyday, somedays up to 5-6 times a day always from different numbers so blocking their numbers has been very difficult. Today they have called at the following times so far : XXXX, XXXX, XXXX, XXXX, XXXX. I do have an account with them that I owe a balance on but I'm currently working on saving up my money for my bankruptcy lawyers retainer fee. All I want is tor XXXX to stop harassing me with the constant calls.