23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A year ago I found a credit bureau listing from XXXX XXXX XXXX ( XXXX  ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on XXXX XXXX  and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with Gurstel Law Firm in Minnesota, did not contact me again until this week when I received a letter forwarded to my New   Mexico address from my ex in Nebraska saying that XXXX XXXX XXXX ( XXXX  ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA to again dispute a debt I have previously disputed. I have researched Gurstel Law and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill.
Product: Checking or savings account

I opened a Capital One 360 Performance Savings account in XX/XX/XXXX, and transferred {$10000.00} into the account ( bank screenshot attached ) on XX/XX/XXXX. On XX/XX/XXXX, Capital One sent an email to me ( email attached ) saying that they've restricted my account until they can " verify my recent account activity. '' My account shows " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I called this number and was taken to a voicemail and instructed to leave my contact information. I left my information but was never contacted by Capital One. I subsequently called Capital One general customer service to get transferred to a person who could help me on my case. This person told me that my account was being investigated but was not able to tell me why my funds were being investigated, how long it would take, or what additional steps I could take to move the process forward. 

Between XXXX and today ( XX/XX/XXXX ), I've called three times and each time tried to escalate to a manager who could better help me with my issue or answer my questions. The representatives wouldn't escalate my issue, and I have gotten no answers to my questions. They weren't able to provide any reasons for why my account was under investigation, any timeline on how long the investigation would take, any estimation for when I would be able to withdraw my money. They have been holding my money indefinitely without reason, and refusing to answer my questions.
Product: Credit reporting or other personal consumer reports

I recently found that an amount of XXXX was annotated on my credit account for a vehicle I thought was paid for since USAA stopped applying the allotment to my loan. I do not apply the allotment which comes in by weekly to the loan it is the responsibility of USAA. Therefore, I asked for a burndown of the car loan and the rationale on why this was even sent to collection when the allotment has been sent to the USAA saving account in the same manner for the last 6 years. This is not an error of the consumer, the account should have NEVER went to collections and should have never been annotated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed these accounts on my credit report and experian and XXXX replied to me that these inquiry 's came back as verified, I told experian ive talked with both banks and they told me to filed a ftc report which i did, I need the method of verification both experian and XXXX used to verify these accounts because at this point they are automating these disputes and saying they came back verified. I DID NOT MAKE THESE INQUIRIES TO THESE COMPANIES. 

method of verification i need : 1. the name of the person they spoke to to verify these inquiries.

2. the persons phone number which they called to verify.

3. what date did they speak with them on.
Product: Debt collection

Please review my credit report. I notice the creditors are not cooperating with the request I need with the inaccurate items on my credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writing to disputed hard inquiries on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize theses ha inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report.

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 



Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit card

My credit monitoring service XXXX XXXX Immediately notified me via an alert that someone was trying to obtain a Barclays Bank Delaware credit card in my name for {$4500.00}. I am requesting that this attempt be DELETED from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANTUS LLC Hard Inquiry - XX/XX/2018 Unauthorized Credit Inquiry! 

I sent out dispute letter asking for removal of unauthorized hard Inquiry on my XXXX   credit report. I also had my letter notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from BARCLAYS BANK account # XXXX, 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 BARCLAYS BANK 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, XXXX, and BARCLAYS BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Vehicle loan or lease

Global lending services LLC committed fraud and violated my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I typing this right now in disbelief how XXXX, XXXX, and Equifax treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX  and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as ofXX/XX/XXXX. This is unacceptable.
Product: Checking or savings account

I attempted to open a checking account at two different financial institutions ( XXXX XXXX XXXX ) but I got a message stating that I needed to speak to early warning services, I reached out to them and they mailed my credit report which shows that I abused an account that I had with XXXX XXXX. I had an account that was closed due to overdraft at XXXX XXXX, I went to the bank and paid the past due amount and opened a new account with XXXX XXXX. But for some reason Early warning services is reporting that I abused my account and now I am unable to open any other accounts. The worst part about it is the fact that, when you call the agents arent even able to explain the report to you and how it works. I just need a better explanation, I have never abused an account. Please help me.
Product: Checking or savings account

Over the past few weeks, my mother has called Chase Bank in XXXX, OH to try to fix the problem. She called me ( her son ) not knowing what to do, so I tried calling Chase bank on XX/XX/XXXX to see what could be done. Basically, Chase said " Too bad. Sorry. '' I called the local branch, the general Chase customer service number, spoke with a manager, called back, and more, but no one could or would help.

My mother has been a Chase customer for years. Her husband ( my father ) died a few years ago. My mother wanted to add me and/or my sister 's name to her account to be joint owner, so we could help her deposit/withdraw money, write and cash checks, etc. for her. She is XXXX and has been in a XXXX for years. She can not now even leave the house. She can't physically get out of the house due to her bad back and knees. Chase said that unless my mother physically goes into a local bank branch, she can not have anyone 's name added. We explained that she was not physically able to do so due to her XXXX, but they said that was their policy. We asked if there were any exceptions, if we could bring proof over for them, if someone fromt he bank with a tablet or laptop could go to her house and have her sign something, or any other way, but they said just kept saying that unless she physically enters the bank, she can not have anyone 's name added. 
We considered adding power of attorney to the account, but as you know, this is not the same thing and does not have as much power as joint owner. We tried submitting a legal POA document, but Chase rejected it, saying that it did not have an indemnity clause. I asked it we added it, would they then accept the POA. They stated that we would have to have the lawyer update the POA, then we could re-submit it, and then see if Chase will accept it. If not, we would have to keep trying until Chase accepted it, but they would not tell us what we needed to so to make sure it was accepted. I called the lawyer who wrote up the POA, and they told me that even if we made a new POA today, Chase would not accept it. They told me that they always have problems with Chase accepting POAs from anyone. However, that is just a temporary solution, anyway, as my mother wants another name added to her account, but Chase seems unwilling to even consider accommodating her XXXX in any way. For example Chase told me that even if I was on as POA, I would not be allowed to close the account for her. 
I understand the need for security measures, but she has been a customer there for years, would go to the local branch if she could, but is not physically able to do so. She is willing to do what she is able to do, but the Chase representatives simply kept repeating that if she will not physically enter the bank, she can not get another name added to her acocunt. We are not sure what to do, as my mother is physically unable to enter the bank, and Chase seems unwilling to even considering accommodating her XXXX in any way.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX ( XXXX ) ), Consumer Date of Birth : ( XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer 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 consist of a personal credit card and a XXXX loan account. I have attached a list of the hard inquiries in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many items which opened without my consent were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit information. The dispute items were misleading. Im attaching the required new FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items were correct I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
ExperiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXXXXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. 
While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT Experian XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX  XXXX XXXX ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA Experian & XXXX TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA XXXX and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX  AND FTC IN REGARDS TO THE CONSTANT NEGLECT-ION OF MY DISPUTES
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are still reporting to XXXX, XXXX, AND EXPERIAN. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
Product: Money transfer, virtual currency, or money service

Compaint is for coinbase.com Case # XXXX I have an account on coinbase for 3 years. As you are able to check the last three months virtual coins went alltime high. I was trying to verify my mail address as coinbase asks with my bank statement. For no any reason or explaination they freezed my ability to sell or buy and as a result of it I lost over XXXX usd which was very important to me. I want to be honest and tell you that prices went higher than the time I decide to sell but at the time that I decide to sell the price was XXXX usd. When I tried to sell and cashout as I was doing all these three years, a message appears that I was not able to do anything in my account and to contact coinbase. 

I cantacted them 7 times at the last 20 days but no one came back to me. Every time I am receiving back an automate email which says : ''Please accept this email as confirmation of receipt of your complaint. 
We will review your complaint and you will receive a response from the Customer Complaints Officer within 15 business days. If for any reason we require an extension, we will notify you as soon as possible. '' As a result of it I lost savings of this year which as you can understand are very important for my family as a result of covid19 economical situation worldwide, but anyway I lost them without any reason, any fault of mine or anyone to explain me why.
Product: Student loan

Fedloan Servicing is the company servicing my consolidated student loan. I have monthly Direct Debit on my account, and have never missed any payments in over a decade. I am in the process of changing banks, and immediately following the account drafting in XX/XX/XXXX I went onto Fedloan Servicing 's website to change my Direct Debit information. At the time I set up the direct debit, it stated it would take several days to set up ; however, weeks later my direct debit did not draft. I logged into my account when Fedloan sent an email informing me I had missed a payment. 

As a result of Fedloan Servicing 's failure to timely establish the Direct Debit for this account, I now have a negative credit report for a missed student loan payment. My husband changed the Direct Debit for his student loans serviced by XXXX on the same day at the same time and had absolutely no issues with the timely changeover of banking information.
Product: Debt collection

I sent a certified dispute letter to Commonwealth Financial Systems more than 30 days ago and they never responded. Per the Fair Credit Reporting Act, they now need to remove the debt from my credit report. It is still showing.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems LLC has once again put a false debt back on my credit report when I already disputed this item of XX/XX/2023 and filed a consumer complaint against them and won and it was took off of all my credit reports. But now they still have my social security number and trying to harass me with this false debt that they can not ever verify. This debt that they are trying to collect does not belong to me. They also agreed upon that they wouldnt contact me again about this debt.