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

I purchased a few {$200.00} XXXX gift cards provided by U.S. Bank from XXXX in XX/XX/XXXX. Most of them got used quickly, but one did not get used. It remained in my desk, unopened and in its original packaging until XX/XX/XXXX when I tried to use it. I got a rejection when trying to pay a bill, which seemed odd as I had just opened the card. I logged into XXXX and checked the card and found it had 4 charges that I had not made. These charges are as follows : XX/XX/XXXX - {$24.00} XXXX XXXX- XXXX XXXX XX/XX/XXXX - $ {$53.00} XXXX  # XXXX XXXX/XXXX/XXXX - {$71.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX -  {$31.00} - XXXX XXXX # XXXX I immediately called XXXX and let them know about the issue with the card. They closed that card and gave me the information for PrePaid Debit Disputes and said I would have to continue working with them. Their office had closed for the day, but the lady at XXXX said I should contact them and also fax them the information during business hours. The lady also closed out that existing gift card and said she would send a new gift card to me with {$18.00} which is the amount left on the {$200.00} card. She said that as the disputes got resolved, I would receive credits on that new card. I waited until XX/XX/XXXX which was the first business day after that call and faxed the information to PrePaid Debit Disputes and immediately called them. The lady on the other end could not find my fax at that moment, but told me to contact them 2 - 3 business days later and check to see that the fax had been received. I called back 3 days later on the XX/XX/XXXX and verified that the fax had been received. That associate told me I should be expecting a follow up in the mail to process an affidavit from me about the dispute. On Tuesday, XX/XX/XXXX I received the new gift card with instructions on how to activate the card. On Friday, XX/XX/XXXX, instead of receiving an affidavit request in the mail, I received a letter saying that they were unable to assist with my dispute due to the fact that my notice was received beyond the time frame allowed.
Product: Debt collection

I used to be a resident of XXXX XXXX XXXX. But i have already paid my debt or any other amount i have to pay a long time ago. It was their mistake to send them this. Please clear out with them. They will clear this. Actually, XXXX XXXX XXXX have to give me certain amount refund to me.
Product: Credit reporting

I disputed inquiries that were not made by me, however I have not heard back from them. I will attach a copy of my credit report from XXXX XXXX ( XXXX/ Equifax ) each hard inquiry marked in was infact one I allowed. All other visible inquiries are ones not authorized by me.
Product: Money transfer, virtual currency, or money service

I opened a CoinBase XXXX currency trading account using my XXXX passport and XXXX drivers license about XXXX years back. Then in XXXX of this year, I got an email from CoinBase to say that I must prove my residency, as I was now communicating from XXXX XXXX. I then said, I am someone who works XXXX and move my locations frequently ( a digital nomad, if you will... ) and so I am not able to do that every time I move and it makes no sense, as I have already proven my eligibility to open a CoinBase account based on my XXXX citizenship and proof of permanent residency in Florida, as all my mail is sent to my XXXX address, which also happens to be the address I use to file my XXXX tax returns. 

I was then asked by CoinBase to send my XXXX tax returns by email to prove this. I then said, I will not do this, as it contains my social security number and date of birth and all my income, which I will not do, nor do I need to, as a copy of my passport and drivers license is sufficient to prove my eligibility to have an account opened. 

I have tried to reach CoinBase by phone ( XXXX ), but there is a recording that asks its callers to contact its help center which is an online chat system with no option to speak to a live person. All communication is done via messaging. 

I have raised the concern, that all XXXX citizens living and working XXXX MUST report income generated, including gains from XXXX. Therefore, if I am not able to use my XXXX citizenship to open an account, then I would not get a XXXX and this would help me avoid disclosing any income I make from XXXX trading since the system will not show that I am a XXXX citizen, instead I could get away with showing my geographic location- which is what CoinBase wants me to do, in order to allow me to commence trading. Using the geographic location is not what CoinBase should encourage, as this leaves the door for so many people to avoid paying taxes on XXXX currency when filing the XXXX tax return. 

Furthermore, the communication I receive from CoinBase is limited to emails only. There is no name attached to the email and I have asked for a phone number or a name of a person to speak with. It appears CoinBase is using a call center in XXXX to communicate and have access to XXXX citizen 's confidential and private information. Given all of this, I think the FTC needs to look into this urgently. 

CoinBase is a decentralized company, with no headquarters and so I am not able to give their contact information below. However, the company trades a XXXX XXXX at the XXXX XXXX XXXX. 

I have attached part of the correspondence I have received from Coinbase which does not have a name of a person, or a phone number to reach- but asks for me to share my XXXX tax return as proof of my XXXX citizenship and proof of address. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Charge-Off Reporting Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Extra Dear Sir/Madam, I am writing to formally dispute the charge-off reported on my credit report for the account listed above. According to the information I have received, this account has been inaccurately reported as a charge-off, which I believe is not correct. 
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any inaccuracies or incomplete information on my credit report be corrected or removed. The charge-off reported does not accurately reflect the status of the account, and I believe it was either reported in error or is based on outdated information. 
I respectfully request that you investigate this matter under the guidelines set forth in the FCRA and remove the inaccurate charge-off from my credit report. Please take the following steps to resolve the issue : 1. Verification of the Charge-Off : Please confirm with the creditor or debt collector that the account was actually charged off, and provide documentation that proves this status.

2. Provide Evidence : If the account was reported incorrectly, kindly provide a copy of the documentation that shows the charge-off was inaccurate or mistaken. 
3. Removal or Correction : If it is found that the charge-off is inaccurate, I request that the incorrect information be removed immediately from my credit report, as it is adversely affecting my credit score.

If you are unable to verify the accuracy of the charge-off or provide appropriate documentation, I ask that the entry be deleted from my credit report entirely. Please ensure that the necessary corrections are made promptly in compliance with the FCRA guidelines, specifically Section 611, which mandates that disputes must be resolved within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

2. XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 3. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 4. XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  XXXX Account XXXX
Product: Debt collection

I first went down to a XXXX location and they stated i had to call there XXXX # due to them not being able to help me in person, so i did and they told me i opened an account with XXXX lines, which i did not, i told them the account was opened by thief 's who stole my information somehow and asked them to show me what identification they used and wouldn't provide to me due to these thief 's doing everything online, they couldn't tell me in what state the account was opened they were not helpful what so ever, i kept getting past due bills for the XXXX lines and couldn't get anything resolved with XXXX, it was not me who opened the account, i need them to remove it, XXXX sold this collection to Jefferson Capital Systems LLC and is now on my credit report, can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 a letter was sent to XXXX certified mail signature required. Today XX/XX/22 has been well over 30 days has not delete the inaccurate information on my consumer report. They are in many violations regarding my consumer rights I would love full remedy under 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION. I would also like them to be liable under civil law. these inaccurate reporting have damaged my livelihood. 

I have also sent in letters to Equifax for inaccuracies and they have failed to remedy my demand to delete inaccurate information because I have reasonable doubt that its incorrect inaccurate they have been furnishing inaccurate information on my consumer report
Product: Mortgage

Back in XX/XX/XXXX Seterus Inc. sent me a modification offer which I accepted. The modification consisted of three monthly payments in the amount of {$410.00} each for a trial Period Plan, which I make all of them : -XX/XX/XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$410.00} Confirmation # XXXX -XX/XX/XXXX {$410.00} Confirmation # XXXX After this Trail Period which I successfully paid, Seterus Inc. allow me to continue with regular payments which I make payments each month till the hurricane Maria Destroyed XXXX XXXX : XXXX XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX After the Disaster Seterus Inc offered me a Disaster Relief Forbearance which I accepted by that time personnel who I talked on the phone told me that after the forbearance I was going to be able to continue with my regular payments. 

Since XX/XX/XXXX I have been calling to start paying my mortgage again but Seterus Inc pretty much are trying to force me to do a foreclosure which I dont want, I just want to continue making my regular payments or make a modification that I was promised at the beginning. 

Also I have been told by phone that the modification from XX/XX/XXXX I was offered wasnt approved, if thats the case why you allow me to pay the Trial payments and then a consecutive 6 months of regular payments. If wasnt approved where that money go.

There are many things here that do not make sense, I hope with this information you can help me to clarify any doubts and help me to keep My HOME! 

There's a trend of predatory Behavior with this Company Seterus Inc. this is not just happening to me only I've been reading thousands of similar cases.
Product: Debt collection

Received a letter in the mail dated XX/XX/19 from convergent outsourcing saying I owe XXXX $ to XXXX XXXX. I have never had an outstanding with XXXX XXXX and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening to me!
Product: Checking or savings account

I made an appointment at XXXX for myself and another person. The contract is with me directly and XXXX charged me for both cancellations. As you can see, I was debited 6 times and charged twice for services not received. I agree to pay my cancellation however I'm not responsible for other persons payment. I have tried to dispute this with the merchant and bank of America and getting nowhere. I want my {$69.00} back. 

THIS IS A CONSUMER TRANSACTION
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Debt collection

This company Convergent is trying to extort monies from me! 
1 ) this account was paid off XXXX 2 ) i have a current large line with XXXX perfect rating 3 ) this account is 10 years old and paid off,. 
4 ) this is extortion
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I reviewed my free annual credit report and noted that it contained mostly information for my twin brother. I had the issue easily fixed with XXXX and XXXX Equifax has not fixed the issue. First, they erroneously gave me access to my brother 's credit report through myEquifax. Despite charging me for the account monthly ( {$19.00} on XX/XX/20, XX/XX/20 and XX/XX/20 ), they did not fix the mistake or grant me access to MY credit report. They claimed that I had not updated my address and they could not verify my information. Since the beginning of the year, I have sent Equifax multiple documents, including proof of Social Security Number, proof of address, and proof of identity. Not only has the issue not been resolved, but today they refused to let me speak to a supervisor and on two follow up calls the system would not even allow me to speak to a representative. It is my right to access my personal credit information. I do not know what to do to be able to access and dispute the erroneous information on my account.
Product: Credit reporting or other personal consumer reports

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. 

Account XXXX XXXX Account XXXX : XXXX and list of Inquiries. 


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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I sent a letter to this company last month requesting validation. They did not remove this account off my consumer report at all this account is in dispute and by law they have to remove it when its in dispute. Also they did not reply to my letter. They received this letter XXXX, XXXX 2023 and they did not reply to it. so its past 30 days and they need to remove this account off my consumer report. i have no business with this company. i will upload the letter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these fraudulent accounts a collections account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries ( XXXX XXXX ) 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 XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

CADENCE BANK MORTGAGE XXXX XXXX XXXX XXXXXXXX, XXXX XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX XXXX ) consumer report, and I noticed some late payments posted on my consumer report : CADENCE BANK MORTGAGE XXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( CADENCE BANK MORTGAGE ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s CADENCE BANK MORTGAGE XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for XXXX, XXXX and Experian. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call Experiana nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with Experian..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX   balance is showing {$1100.00}, XXXX XXXX XXXX  with XXXX XXXX XXXX {$28.00} , XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
Product: Credit reporting or other personal consumer reports

My credit report hasn't been updated since XXXX of XXXX  and it isn't generating a score. I have requested an update on several occasions in writing and over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and BANK OF AMERICA with no successful resolution. XXXX, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.