23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. Below is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ) credit XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my XXXX XXXX and Experian credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Coinbase opened trading of XXXX XXXX ( XXXX ) on their exchange. Before they opened the market, they were taking orders in which I placed a Limit Buy order. Once the market opened, the Limit Buy did not apply due to the heavy buying pressure. I then placed a market buy of approximately {$80000.00} for XXXX at approximately {$3800.00} per coin. By the time it filled a few seconds later, it filled at {$8900.00} per XXXX. I immediately placed a market sell as I did not expect the price to more than double in a matter of seconds. Despite multiple sell attempts, my order would not sell. All the while the price of XXXX was increasing until Coinbase halted trading at {$9500.00} per XXXX. The halted trading for about 20 hours and when it resumed, the market price was reset to approximately {$4300.00}. There are several questionable actions by Coinbase that caused a large sum of money to be lost which is why I am filing this complaint : 1. My market order at {$3800.00} did not fill until {$8900.00}. 
2. Selling was not working. 
3. They froze trading and reset the price to {$4300.00} which immediately cut my investment value by over 50 %. 
4. Immediately after the price increase, there were insider trading allegations against Coinbase due to the massive price pump during the time my trade executed. These are still being investigated. 
5. The price of XXXX on Coinbase was nearly triple the price on any other exchange further reinforcing the suspicion of price manipulation.
Product: Credit card or prepaid card

CFPB, please do NOT close this case just because Citi says it was resolved. It has NOT been resolved. 

This is about my now closed account XXXX. 

XXXX tells me that they have refunded five of my XXXX payments ( including one divided into a XXXX payment and a XXXX payment ), but my Citi statement only shows that four of these have been credited back to me. Which of the following refunded amounts that XXXX alleges does Citi recognize? 

***IMPORTANT *** Be sure to identify these refunds by the Recon ID # s that XXXX uses so the missing one can be identified *** Please tell me which of these refunds from XXXX Citi credited to my credit card XXXX : ( 1 ) {$1.00} Recon ID # XXXX ( 2 ) {$38.00} Recon ID # XXXX ( 3 ) {$39.00} Recon ID # XXXX ( 4 ) {$39.00} Recon ID # XXXX ( 5 ) {$39.00} Recon ID # XXXX ( 6 ) {$39.00} Recon ID # XXXX ***IMPORTANT *** Be sure to identify these refunds by the Recon ID # s that XXXX uses so the missing one can be identified *** Also I did NOT ask Citi to refund my XXXX payment to XXXX XXXX I will pay that. I just asked Citi to look into whether that was an accurate amount. And, cancel that dispute. 

And, please send me a pdf of my final XXXX bill for the last fraction of a month before it was cancelled. 

Again, ***IMPORTANT *** Be sure to identify these refunds by the Recon ID # s that XXXX uses so the missing one can be identified ***
Product: Debt collection

I have contacted XXXX and XXXX XXXX XXXX XXXX several times requesting validation of the debt that they claim I owe. I sent letters via certified mail return receipt. They have not responded at all which is in violation of 15 USC 1692g ( a ) - Validation of Debts but continue to negatively impact my credit report. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT, in case legal action becomes necessary. 

I have only received a letter from XXXX stating that the debt was transferred to JTM Capital Management. JTM Capital Management has not provided me with a notification of this debt which is also a violation of my rights as a consumer. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with JTM Capital Management that says I have agreed to pay them anything.
Product: Debt collection

They have called several times and will not tell me who the creditor is or what the debt is without my providing them with personal information ( my full home address, SSN ). 

I have not received any postal mail regarding a debt going to collection status.
Product: Debt collection

Firstsource Advantage LLC called my workplace and contacted a coworker.
Product: Credit card or prepaid card

I have had a Diners Club card for years and I am a member of their Club Rewards program. I went to their website to redeem points and selected ( 1 ) {$100.00} eGift Certificate to XXXX XXXX and ( 1 ) {$50.00} eGift Certificate to XXXX 's. The prices displayed for these were XXXX points for the {$100.00} eCertificate and XXXX points for the {$50.00} eCertificate. Once I checked out to finalize the redemption the final cost in the cart for the {$100.00} certificate was XXXX points for the {$100.00} ecertificate and XXXX for the {$50.00} eCertificate. I called the Diners Club Rewards customer service and they informed me the last statement covered the increase for the eGift Certificates and the price listed on their website was wrong. I had n't seen the notice in the last statement. I informed the customer service rep that their website is mis-leading. She spoke to a supervisor and they informed her I had to redeem the extra points even though they were informed the website was not correct. I did redeem but I wanted to bring this to the attention of the regulatory agency.
Product: Debt collection

XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.
Product: Debt collection

This involves a fraudulent sale ( scam ) enabled by XXXX. It is not a valid debt and a complaint has been filed with the Police and CFPB # XXXX. 

My dispute stems from a sale of merchandise through XXXX  ; two very expensive speakers were sold to a person using XXXX  ; this person paid for them using his credit card and XXXX. He then arranged for XXXX to ship them from my location in XXXX. 
They were allowed to ship shortly after the payment cleared XXXX ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by XXXX until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 
Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. XXXX notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, XXXX informed me that the Buyers bank/ credit card company had sided with Buyer and my XXXX account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the XXXX Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the XXXX collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called XXXX collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 
The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. XXXX refuses to either pursue a remedy with, or release the name of the institution used by Buyer. XXXX, acting in bad-faith, has apparently washed its hands of this matter. 
Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 
Additionally, I have filed a Police Report regarding this fraudulent sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the Accounts XXXX XXXXXXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXX ACCOUNT # XXXX XXXX they are reporting to XXXX and Experian has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX in XX/XX/year> and the total value of the car was {$48000.00} in XXXX installments. I made a down payment of {$6000.00}. I signed the contract on the seller 's XXXX and he told me that the first installment would be in XX/XX/year>. When I had the information on the values through the XXXX app, I realized that the contract would be paid in XXXX installments and in addition to the value of the installment above that They told me and the total amount to pay in the end was almost double. I went to the store and the seller apologized to me and canceled everything he had put above the agreed amount in XX/XX/year>. It turns out that nothing changed and I had to pay the installments for 10 months. I went to the store several times and they always asked me to wait for the contract to be updated. They changed the financial manager who had acted in bad faith and the new one there gave me the contact details so I could resolve my problem. As a result I got part of the amount returned by the finance company totaling {$8000.00} - but nothing on the interest paid on this amount. Also, to date, I have not had the settlement amount changed in my contract. I ask you to help me because I was taught by the salesperson and financial manager who obtained my signature and filled in the data in the system as they wished!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

The bank is Synchrony Bank, the store credit card with XXXX store. I have been unable to enroll in auto payments because I can not create an online account. I have the account number and tried to register but it would not accept my account number and registration materials. I have tried calling but to fix this but I kept getting " we are unable to complete your call at this time. '' As a temporary fix I was calling the number at the bottom of my statement to pay. However, I forgot once and not the monthly payment has gone up from 25 a month to like 150 with no written reason why that I have received. I have tried calling at the number, and again I get no response.All of this could have been avoided if they would have just let me enroll in auto pay - and register for an account online. I opened the account in XXXX I believe - but again, I have no records because I can not register the account online - and they will not answer the phone to try to fix this.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a collection account opened at XXXX, XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit reporting Agencies ' behalf. When will the Credit reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Credit Reporting Agencies has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the following accounts and verify if the information they report are accurate, if not, have the accounts DELETED AS SOON AS POSSIBLE : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX   XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I do not recognize the account listed on my credit report from a creditor named Online Information Services. This is listed on my credit report as a collection account but does not tell me who the original creditor is. It says the account was opened XX/XX/year>. I never opened an account with this amount during this time period. There is no other listed company listed so Im unaware who the original creditor is and the information provided on my credit report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$360.00} {$360.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions.

Sincerely, XXXX XXXX Enclosures : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

Identity Theft Report Proof of identity Notice to Furnishers of Information