23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My debt was sold and I have an agency Trying to collect money from me
Product: Debt collection

Hello I have contacted Aldous and associates collection agency months ago about a debt from XXXX XXXX XXXX XXXX. I asked them to send me validation of this debt along with the correct pay off amount due. After several certified letters and months letter no written reply. And when I called them they nasty rude and unprofessional and basically demanded me to pay an amount I know wasnt due. Spoke to the original creditor XXXX XXXX they told me the amount which was almost {$3000.00} being due. Which they told me that Aldous and Associates do not have the file another credit collection does XXXX XXXX. Which XXXX XXXX sent validation and the correct amount due. I am in contact with XXXX and making payments towards the balance. Why is Aldous & Associates refusing to stop reporting this negative fraud information to my credit reports? I am paying on this same debt to another collection agency.
Product: Checking or savings account

I am a XXXX citizen. I paid for a room rental on XXXX but they did not give me the room or my refund.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which has highlighted significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, neither my financial institution nor Zelle adequately investigated my claims. I was told that recovering the lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings reveal that Zelle has failed to protect consumers and allowed repeat offenders to exploit the system, putting users at increased risk of scams. This lack of accountability and transparency is troubling and raises serious questions about the platform 's commitment to consumer safety.
Product: Student loan

I have student loans and I went through a third party called simple repayment thinking they would help me forgive my school loans and they told me my loan debt would be removed after some time so I was making XXXX dollar payments every months since the year of XX/XX/2018 until about last month when I called my loan service XXXX  and they told me my balance is the same and I wasnt making any payments.They told me theres nothing you cant do that simple repayment can do. I tried calling them for months and no answer, it goes to a voicemail and theres no online website where I could check to see how much I owe these were clearly fraudulent claims and I still have to pay off my school loans directly through XXXX and need help getting my money back that was going absolutely no where but to simple repayment.
Product: Credit reporting

please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that Credit Bureaus are reporting in error. 
Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In 2018 I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over five to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies.

I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Citi Bank stating that on XX/XX/XXXX they incorrectly credited my account for a payment of {$3500.00}. To correct the error they have rebilled my account. 
I have phone records indicating that on XX/XX/XXXX at XXXX and XXXX I called Citi Bank XXXX XXXX them know that I had been credited {$3500.00} and I did not think it was right. With both phone calls the representative on the line said that It was an anonymous donation and mine to keep. I tried doing my part by calling to let them know about the {$3500.00} credited and both times they said it was mine to keep. 
I called Citi last week to dispute this letter and they said they would file a dispute. I called again today XX/XX/XXXX to check the status of my dispute. No such dispute was on file today and I had to start over. After speaking with three different people they said because I spent the money I had to pay it back. I asked them about the representatives being responsible for miscommunication back on XX/XX/XXXX. They said they have no records of phone calls I made to them on that date. I found the records in my own phone service records so They lied about that also. 
They state at the beginning of all Citi Bank phone calls that all calls are recorded, they should have recordings of both phone calls I made in XX/XX/XXXX to prove that the mistake was on their part, not only with crediting the account but also with saying the money was mine to spend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filling a complaint because Ive noticed XXXX XXXX, Equifax, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining 100 percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Product: Debt collection

My identity was stolen through my XXXX  email. They took Birth certificate, Social security card, id. They used my identity to open bank accounts, XXXX XXXX, applied for apartments, ect. I now have creditors coming after me. I filed a police report. I have no idea how long they had my information. 


XXXX Paragon Revenue GR balance {$3800.00} XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX  l {$370.00} XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall serve as a notice to Wells Fargo that they are reporting false and inaccurate information on my XXXX Report. They are currently reporting an account as Charge off, written off and past due. They can not report an account as charged off, written off and past due because it false and misleading. This account is causing harm and is defaming my name. XXXX are implicated as well because I have asked them to provide reasonable procedure that is fair and equitable to me as the consumer. They failed to provide that information as well.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX : {$750.00}
Product: Credit card or prepaid card

I have contacted USAA and with no resolution. I have also filed a previous complaint with CFPB and in return, USAA continues to call me 3-4 times a day harassing me with voicemails. I have spoke to several representatives from USAA and again, with no resolution, they keep telling me that theres nothing they can do, but yet continue to harass me several times a day with phone calls and voicemails. When I spoke with them, all they did was look for reasons to disregard the financial issues that took place, as well as the worldwide pandemic ( COVID-19 ) that also caused so many people to lose their jobs, including myself. Their complete disregard for these matters and continuance of trying to collect payments is inexcusable. Not only do they harass me with their phone calls, but the damage to my credit report is irreversible, the damage has been done, and further action needs to be taken.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX  Employers : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired from TransUnion, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>, and XXXX XXXX XXXX  on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Product: Credit reporting or other personal consumer reports

I have notified Experian that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. 

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the CFPB have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request Experian to remove the following ( 3 ) inaccurate, unverifiable, fraudulent inquiries from my report. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a Possible installment loan on XX/XX/2023, with payments of {$23.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My initial payment of {$23.00} was successful, but as my second payment approached, I began to experience financial difficulties. Given my current situation, I asked for a deadline extension to give me more time. Knowing that payments are reported to credit bureaus after 30 days, I diligently attempted to contact customer service to confirm whether payment reporting would be based on the initial or extended new date ( Ex. When a payment is delayed with XXXX 30 day reporting is based on the new delayed payment date and not the original payment date ). Unfortunately, I was not successful. With no provided information, I attempted to execute a single payment for the current due installment ( again trying to save my credit ) but was unable to do so and was forced to pay the whole amount due. When I attempted to acquire assistance with my payment issue again, I was met with generic robotic messages and no direct number to call for immediate assistance. This is an unfair practice that does not provide consumers witha fair chance to save their credit reporting and prevent adverse actions. Even after agreeing to pay the sum in full, I have yet to receive assistance as of today.
Product: Debt collection

I just checked my credit and radius global added a debt that is old from when I was an identity theft victim. I thought it was illegal to add old fraudulent debt. It is on XXXX. This is not right and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

I made a deposit to Coinbase wanting to exchange USD to buy Litecoins ( LTC ) using my XXXX credit card {$50.00} which is issued by XXXX XXXX XXXX XXXX XXXX XXXX. I later transferred {$500.00} from XXXX to Coinbase. Both were lengthy processes taking over a week or two because to set up ACH transfer you need to respond back and forth with a security code and set up amounts to prove and security the accounts back in XX/XX/XXXX. I did this verification and finally in XX/XX/XXXX I observed the transaction on my Coinbase account as XX/XX/XXXX & XX/XX/XXXX, and from electronic statements from XXXX. My problem is Coinbase double billed both amounts, the {$50.00}, {$500.00}, and a {$10.00} fee. I called XXXX about this and they said it was all requested from Coinbase. I call Coinbase and they say it was a glitch on XXXX / XXXX end. There's a ton of complaints on the internet about Coinbase double billing clients. I call Coinbase XXXX and corresponded with Coinbase via XXXX. Wrote them : Coinbase, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They say they have it as top priority to refund my money, but it doesn't happen. I have made multiple attempts, even provided copies of my XXXX statements. Nothing happens. They say it takes time because they can't correct quickly because of security and all transactions must be slowly & carefully handled. This is nearly 3 months. I will try to attach images of my XXXX  statements. When you contact Coinbase they will ask you for my full name : and email address. Their transaction account information is on the XXXX statements. They have a file under my account about this matter, because I request, and they acknowledge each time I talk to them on the phone. Actually they say you are only supposed to use the phone only if your account has been hacked or breached and use the Coinbase email support on all other matters, but they never reply, just a robot acknowledgement. Thank you for helping me. I got your contact information by reviewing Coinbase complaints on the internet. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/2022, my cell phone services was mysteriously turn off. I called my cell phone service provider and was told that there was a glitch in their systems. Moments later I tried to log into my bank accounts, emails and stock accounts. The only account that I was unable to log into was Coinbase App. For some reason I was lock out. Later that night I tried again to gain access to my Coinbase App account and I receive a message on the Coinbase App saying I had to wait 24 hours to sign back in to change my password. After waiting 24 hrs and receiving an email from Coinbase about my account recovery I notice that there was over 100 other emails from Coinbase stating that I sold and transferred almost {$16000.00} of Crypto from an Coinbase Pro account. Problem is I never had a Coinbase Pro account. I reach out to a representative at Coinbase around XXXX XXXX on XX/XX/2022 to try and resolve the issues. I was assign case # XXXX and was told to complete an identity verification process, which will take another 48 hrs to to be verified. Tired and stress I waited to the next morning to complete the verification process. Not shortly after I recieved an email stating they was unable to verify my identity. I call Coinbase again in regard to my id and the fraudulent transfers on my account. I recieved and email from Coinbase stating that an hacker had access to my password, XXXX XXXX security codes and my email via a hyperlink sent from Coinbase. On XX/XX/2022 I received an email from Coinbase stating my account recovery was successful and I was able to sign into my Coinbase account. On XX/XX/XXXX, I spoke to another Coinbase Rep and ask how was my crypto transfer from a Coinbase Pro account and which I dont have. This representative seem to be helpful but somehow our phones connection was disconnected. Shortly right after, I recieved an email with case # XXXX stating our phones was disconnected. I immediately call right back and was transfer to another rep. And again our phone connection was disconnect. Also recieved and email with case # XXXX stating our phones was disconnected. Seem odd to me that our phone connection was being disconnected. I called Coinbase a couple of more times to try to resolve this issue and all they keep saying is that once crypto crosses over a block chain there is nothing that they can do. I have been told by at least 2-3 Coinbase representatives that they see that I do not have a Coinbase Pro account. And one representative ask me how did I know the my crypto was transfer from an Pro account. I told the rep again about the emails. This has been a very stressful time for me dealing with Coinbase. It is not a coincidence that my phone services was turn off the same day and time my Coinbase account was hack. This statement is true to the best of my knowledge, as I was very stress at the time trying to remember the order that these events toke place was hard.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 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
Product: Debt collection

I was the victim of identity theft with Citizens One personal loans in XXXX of XXXX ( two different loans ). I did all requested procedures including a Police Report and was told I wouldn't need to pay. I filed a FTC report in XXXX of XXXX to document the incident ( FTC report # XXXX ). My credit has been frozen since XX/XX/XXXX. The only way for an account to be opened up with my information is for me to unfreeze all XXXX credit bureaus. 
On XX/XX/XXXX I received the same letters from Citizens One saying they have not received my payments. One letter sent to my house, the other sent to my mothers ( I have not lived with my mom in 20 years ). 

The accounts are : loan # XXXX loan # XXXX I have made many attempts to contact Citizens One using the phone number sent on collection letter. I have never spoken to anyone but get put on hold. I have waited for over 30min before Citizens One hangs up the phone. I have also called the fraud line number that I received last year and the number is no longer in service.

My complaint is three fold : 1. These account have should have been closed last year and flagged by their fraud department.

2. Nobody should have been able to open an account in my name because my credit is both frozen and flagged as fraud.

3. I have been unable to contact anyone at Citizens One regarding this matter. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Money would post in my account and saying that its there and I would spend it but then it would be emptied out the next day or even a few hrs and I would be in the overdraft and they would also charge me fees.