23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Company closed previous complaint stating they were unable to locate my account. Which is simply untrue, as they report to the credit bureaus and received my certified letter which contained enough information to locate and access my account. I am uploading documentation to support my contention. Letter from XXXX, my certified letter to them, a copy of my XXXX credit report.
Product: Debt collection

daily calls from XXXX XXXX XXXX company name harris and harris, they are trying to reach another party, but have the wrong number, i have asked them to remove my number
Product: Debt collection

Case Number : XXXX Credit Card Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their handling of a alleged debt collection matter involving myself and American Express National Bank. I have clear evidence in the form of email correspondence, which I will attach for your review. 

On XX/XX/year>, I engaged in an email exchange with XXXX XXXX, the lead associate attorney at XXXX XXXX XXXX, regarding a request I made for a detailed financial statement under penalty of perjury related to the alleged debt in question. In my email, I explicitly requested this information to verify the accuracy of the claims against me and ensure transparency in the debt collection process. 

XXXX XXXX assured me in her response that she would provide the requested financial statement under penalty of perjury. However, to date, I have not received the requested documentation despite multiple follow-up attempts on my part. This failure to provide the promised information raises concerns about the transparency and accuracy of the debt collection process being pursued by XXXXXXXX XXXX XXXX  on behalf of American Express National Bank. 

I believe that the actions of XXXX XXXX XXXX may constitute a violation of consumer rights and fair debt collection practices. The failure to provide essential documentation as requested has impeded my ability to assess the validity of the claims against me and protect my rights in this matter. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with consumer protection laws and regulations. I have attached copies of the relevant email correspondence for your reference. 

Thank you for your attention to this matter. I look forward to your prompt review and response. 

Sincerely, XXXX XXXX
Product: Debt collection

I XXXX XXXX XXXX was never contacted by XXXX XXXX XXXX they took XXXX dollars of my things that were in storage 6 years ago never sent me anything for six years it just appeared on my credit report without calling me or to notify me by mail they have my phone number they be never sent me a bill or anything thing this could have been made wright if I new that they wanted money and the fact that they are big lieyers in what they are saying they took XXXX dollars such as a brand new dinette set a XXXX stereo system a 1 year leather living room set a XXXX inch flat screen TV and sold it never sending me a bill of sale they just stole my furniture and then want me to pay them 6 years later how can they try to collect something without notice and about now being 7years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I lived in an apartment complex with a roommate. I moved out XX/XX/year>. I was notified by the roomate they would be staying in the apartment the remainder of the lease. XX/XX/year> i was notified that the roommate had turned in the keys to the apartment. The lease officially was up XX/XX/XXXX of XXXX i was notified at that point that there was a balance. I contacted the apartment complex to verify the amount of XXXX. This amount is beyond the amount listed for early move out. how ever i was already gone from the apartment. Now its reporting my credit for the full amount of almost XXXX dollars that i believe to be incorrect or a fraud amount and not my responsibility considering i had relinquished my access to the apartment. Information given over to a debt collector who is trying to collect this amount of money from 2 people XXXX reporting to both I and roommate. I do not claim responsibility for this as i was no longer living in the unit and this amount listed is triple the amount of XXXX listed for early move out. i believe the apartment is trying to collect an insane amount of money in other words do fraud.
Product: Checking or savings account

On XX/XX/2024 I ordered a bunk bed for my XXXX XXXX XXXX XXXX. I assembled the bed a few weeks after. The moment I placed the top bed over the bottom, the frame for the bottom bed split in one corner of the bed making it unsafe for my XXXX 

When I contacted the merchant XXXX about what happened, they advised me that it's past 30 days and can not accept a return.
Product: Debt collection

I have submitted a complaint about this company in the past ( XX/XX/2018 ), and ask them to stop contacting me. 

Also, I requested documentation not only by direct email,. but also through the county court requesting discovery ; they have failed to provide documentation to me in both cases. 

Now, they are trying to request money from me, again, stating that if I do not respond then I waive my right to a legal court hearing. 

This company is using illegal scare tactics and practices to get money they are not owed. This has cause my great mental and physical discomfort, and embarrassment.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I received a call from a XXXX XXXX, he informed me he got past my Coinbase sign in and put XXXX of my XXXX  ( {$43000.00} ) on the XXXX XXXX. He called because he was hoping to bribe me to get my funds back ( I have a witness that heard this gentlemen on speaker phone ). I was unable to log into my own account, so I contacted Coinbase and they sent me an email confirming this. On XXXX occasions, the recipient from Coinbase said " you are ok, your account is safe, it is locked down and because you are a Coinbase XXXX member, you have coverage to have a one time replacement of your funds. At no time did I receive anything that confirmed they locked my account and when I went through identification process on XX/XX/XXXX, to log into my account, the account was not locked. 

A week following the coinbase theft I received an email from coinbase stating we reviewed your case and you are ineligible to receive your funds back. XXXX XXXX of XXXX XXXX, sent an email to coinbase with my case XXXX stating he was going to do an interview with me asked them why they were not covering their end of the agreement? A coinbase representative called him and falsely stated I had not filed a police report so they could not pursue this. I filed a police report on day one that was XXXX pages ( the second was office use only ) and coinbase received it because they sent a return email saying " we did not receive page XXXX '' and I responded why and also had the XXXX, XXXX  police department emailed coinbase confirming the report. The coinbase representative who called XXXX XXXX also accused me of removing the funds even though I could not log onto my own account from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXXBalance : {$520.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting inaccurate addresses to my credit file. Ive send them my current California ID and also a recent utility bill with me name and current address to verify and validate my identity. I sent the letters and information through USPS priority mail with multiple attempts. Nothing has happened nor have I got a response. Only when I called in and they said they cant delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX   reports also i have already made report at XXXX 1. Huntington National XXXX XXXX, XXXX 2. Huntington Bank XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ;
Product: Debt collection

The debt collection agency sued and won a judgement for wage garnishment for a debt that I never received notification on. They sent all the notifications to an old rented mailbox from a XXXX XXXX that I closed 5 years prior. I left the job that the wage garnishment was attached to. They sent me a balance notification to my home address, I paid it in full on XX/XX/2020. I have the receipt notification. Now today, XXXX, I received a letter from their attorney that a warrant was entered for me for the balance that was already paid. This is harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my equifax, XXXX, and XXXX reports.
Product: Debt collection

I recently viewed my report and i was shocked to learn that i have 2 accounts with this company i had no knowledge of. I have been a victim of identity theft. I have found numerous accounts on my credit report that were not open by me. These items has been hurting my credit because Im in the process of buying a home for my family. Please remove these fraudulent items from my credit report as soon as possible. 
ACCOUNT 1 : AMOUNT {$1100.00} ORIGINAL CREDITOR ; XXXX XXXX XXXX XXXX ACCOUNT 2 : AMOUNT {$750.00} ORIGINAL CRED : XXXX XXXX XXXX XXXX I HAVE ASKED THEM TO VERIFY INFORMATION AND SIGNATURE MY HAND SIGNATURE ON FILE. AND TO VERIFY I GAVE THEM PERMISSION TO HAVE MY INFORMATION
Product: Vehicle loan or lease

I had a dispute with Honda pertaining to the credit reporting of my account.

Honda 's agreement to resolve disputes says that I can not sue them in federal court, but am required to file arbitration.

I filed arbitration and Honda failed to respond to the arbitration, thereby breaching the very contract they signed with me.
Product: Debt collection

Just saw Caine & Weiner pop up on my credit report, tanking my credit report XXXX points. I have never done business with them nor have I authorized them to report on my credit, Im sending this letter because I dont believe they have a signed contract or a past invoice with their company letter head on the top of it.
Product: Debt collection

In response to my prior complaint IQ stated they would reduce the amount of my balance, which I continue to dispute, but they are still reporting the incorrect balance on my credit reports.
Product: Checking or savings account

CFPB XXXX First, I went to get the complaint form, and the employee asked me to state the complaint information, saying that I had stated it XXXX times and they said I met the bonus requirements! But not giving me the bonus is a liar, its a fraud! Their employees themselves admitted that they have evidence! Second, they deceived me again on my complaint form that day and did not submit it! They deceived me again, and I have evidence! Third, the employee told me that I could get the bonus that day, which was the fourth deception! Fourth, they deleted my account without my signature! XXXX, I was given XXXX less reward for participating in the XXXX deposit event! These are all facts, and I stated the process of their deception. Is this considered scolding? I need them to bear the legal responsibility for defrauding and defaming me!
Product: Checking or savings account

So on XX/XX/XXXX XXXX XXXX received a letter stating a deposit made on XX/XX/XXXX was flagged. The funds for paycheck for XXXX was returned to capital one XX/XX/XXXX without an email or text saying a problem occurred. So XXXX XXXX proceeded to call capital one for an explanation. XXXX XXXX got the fraud department that explained it must have been a signature or didnt understand the letter that was written to the the customer. Then they proceeded to explain to mr XXXX he must Re deposit the check on Monday and it might go through. XXXX XXXX re deposited the check on Monday XX/XX/XXXX and it was successfully deposited again.
Product: Credit card

Was sent an offer for a CAPITAL ONE SAVOR CARD with a {$300.00} sign up bonus if I spent {$3000.00} in first 3 months. Called for my bonus and was told there's no bonus with this card. Said the card that was approved did not have a bonus. Gave me a lot of small print and mouth. Finally, after talking or arguing with supervisor, he said he would submit a complaint. Never heard back from them.
Product: Debt collection

on or about XX/XX/XXXX I received a letter from XXXX XXXX indicating that I owe {$15000.00} to the current creditor listed as USI Solutions. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or about XX/XX/XXXX I contacted XXXX XXXX and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or about XX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called XXXX XXXX to request status. I was informed that the case was returned to USI Solutions and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to USI Solutions. 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to XXXX XXXX. 
XX/XX/XXXX ANOTHER call to XXXX XXXX and I am informed that the case was returned to USI Solutions. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XX/XX/XXXXXXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for USI Solutions indicates that this scam has been perpetrated on others.
Product: Student loan

I made the scheduled payments on my Navient account last month. I paid $ XXXXon XX/XX/2020. I go to the Navient site today, XX/XX/XXXX, and I am now seeing a payment of {$100.00} that Navient 's states was due on XX/XX/2020. I do not understand where this " payment '' comes from. When I made a payment on XX/XX/2020, I did not see any other payment that was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

This account is showing errors and incorrect information. I have the account name and number. Self # XXXX, I never miss a payment please updated to correct and never late. Please fix or delete this account. Please update to correct. View the history is not correct. Please reinvestagate those late payment.
Product: Debt collection

I have been sent to collections over a XXXX XXXX XXXX debt with a doctors group. I called and explained to them at least three times this was not my debt, I left the adjusters name and contact information and still they went forward. 

This was the responsibility of the treating Hospital to assure proper billing and the doctors group to assure whether this was a personal or insurance related debt. 

I am in the midst of repairing my credit in preparation for buying a house, this little {$100.00} dollar debt dropped my score by several points! This is wrong and I want it made right immediately or I will hire an attorney and sue for damages! Much more than the {$100.00} I assure it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some assistant with the following unverified accounts that are showing on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Through multiple attempts to have these accounts verified as accurate, the bureaus have failed to provide me any proof that these accounts belong to me. 

I have stated on several occasions that these accounts do not belong to me and belong to someone with a similar name and I am demanding these accounts be deleted as they are damaging my credit reports, or that the reporting bureau provides proof of verification and accuracy of this account. They have failed to do so. 

Account details : XXXX XXXX XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on many occasions about XXXX XXXX I contacted them on XX/XX/XXXX and the were supposed to do an investigation and it took less then 7 days and they said the account was verified as correct. I also reached out to the company XXXX XXXX  on XX/XX/XXXX for proof bearing my signature and they could not send me over proof. I then reached back out to Experian showing that XXXX XXXXXXXX could not send me over proof, and they still did nothing but report it as correct. On XX/XX/XXXX I then reached back out to Experian and XXXX XXXX regarding this account again and Experian once again did an investigation stating the information is correct and enhanced recovery never reply to my letter.