23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection letter back in XX/XX/XXXX for a bill receive in XX/XX/XXXX for my XXXX ur old daughter. The bill was not submitted to the wrong insurance and was rebilled to the correct insurance. Once the bill was paid I received a copy of it paid in full to the XXXX XXXX XXXX XXXX who submitted it to Wakefield and Associates Debt agency. The bill knocked my credit score down. I recently received a credit report pull showing this same company who reported the Same debt under a different company name XXXX same amount under a different name. I contacted Wakefield about this matter with proof it was paid with a copy of the payoff letter. They agreed to remove this debt and unfortunately the damage is done to my credit again ( XXXX points ) after I have established good credit for XXXX a month from closing on my new home for a second pull for a better rate. Now instead it will show a collection if not remove by XX/XX/XXXX. I have worked hard all year now even they the agreed to remove it my points are gone. And now XXXX cant get them back and all they can say is sorry the credit bureau stated that they may not give me all my points back which is very very unfair because I earned all those points paying my debts a need credits. I am so enrage and very upset my family needs a home I am a single mom with XXXX kids and these sorry people done this without fact checking even if they do remove it I am doomed to start over on points from their mistake which they admitted to being slick trying to collect extra money. I am furious I have worked so hard for them to do this. The company Wakefield and associates tried to change the name of the company to make it look like another company I owe debt to when its the same company different name change which has been satisfied by payment in XXXX and was removed and now this debt appeared again. I am livid over my points and score change for no reasonable cause due to human error. So I want my same amount of points that was taken placed back when the collection said that they promise to remove this and has not been removed at all three credit bureaus. I earned my points fair and square. PLease do something about this fraudulent company reporting. Thanks very upset consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, NELNET is reporting numerous accounts in my name as 120 days late. I have contacted NELNET numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX  ), and they refuse to delete the item because NELNET responds to the dispute by stating that the loans are verified and accurate.
Product: Money transfer, virtual currency, or money service

Coinbase did not send me all my money off my XXXX account, before restricting my access to XXXX. They have sent some funds to me, the funds they took from my coinbase account, but not everything. They didnt send all the money I originally had on my XXXX. I have asked for the rest of my coins back, BTC and ETH with no luck.

I have documentation to prove it attached.

Highlighted photos point out 2 things.

1 ) I have a remaining BTC balance they never sent to my coinbase account, so its stuck in limbo on XXXX right now because I dont have access to XXXX.

2 ) They took XXXX  ETH
Product: Credit reporting or other personal consumer reports

Experian has neglected its legal duty under the FCRA to conduct a thorough and reasonable reinvestigation of disputed information on my credit report, resulting in the persistence of inaccuracies and unverifiable accounts. The CFPB has recently filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses, and failing to properly inform consumers of dispute outcomes. These issues mirror my own experience, as Experian has neither corrected nor removed the disputed items. I am requesting immediate corrective action to either amend or remove the disputed account, as Experian 's inaction constitutes a violation of federal law and infringes on my rights as a consumer.
Product: Money transfer, virtual currency, or money service

BOA Class Action Lawsuit XXXX 
XX/XX/XXXX {$220.00}, XX/XX/XXXX {$220.00} money deducted why?, XX/XX/XXXX {$220.00} Temporary credit expires XX/XX/XXXX {$220.00} : XX/XX/XXXX, XXXXDirect deposit {$950.00} = {$730.00}, XX/XX/XXXX Direct Deposit {$950.00} = {$690.00} and continued to XX/XX/XXXX {$300.00} received XXXX Temporary credit from BOA ( Man in the middle just like XXXX XXXX ) my response on fixed income please do not take my money please I'm XXXX. never deposited back in my acct so acct still active until paid in full {$100.00} a day if not paid back {$3000.00} a month after per month until paid in full .US law fraud, embezzlement Branch mgr refused to talk to me said XXXX  was stealing my money spoke to associate said that she would testify on my behalf half. BOA in XXXX  XXXX Ca XXXX her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you. Sincerely, XXXX  XXXX XXXX XXXX XXXX.
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 Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights . Or 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: Credit card or prepaid card

In XXXX 's, I had a Capital One credit card. When the XXXX recession hit, I was unable to make my payments. Capital One took me to court in XXXX, Montana XXXX XXXX XXXX XXXX. The case number was XXXX. I explained I had lost my job as a result of the XXXX recession and was unable to pay. They and I stipulated that if I declared bankruptcy they would no longer pursue collection from me on any level. 

Per our stipulation, I entered bankruptcy protection a month later and my bankruptcy, which included any debt to Capital One and this judgment, was XXXX in XXXX of XXXX. 

Capital One left the case open in XXXX XXXX, as it remains today. Their counsel, XXXX XXXX, indicates he does not represent them any longer. The replacement counsel similarly has no information. I tried calling Capital One Bank and they have no record of anything. They were properly noticed as creditor throughout the bankruptcy. 

They need to close this case as it is negatively impacting my life and violates the terms of our stipulated agreement.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Experian credit report that I had a collection account from XXXX. I cancelled a XXXX phone account back in XXXX. And it was all paid. I contacted XXXX and they said they recently retrieved my SS number and I needed to pay up or more collections would be added my account. Experian told me I was out of luck and XXXX certified that I did owe ... I DO NOT OWE XXXX, I paid them in XXXX ... Experian told me I could pay them or wait 6 years for it to be removed. I asked Experian for proof and they told me to contact XXXX, I contacted XXXX and they told me they dont provide proof and they needed {$770.00} now.
Product: Debt collection

XXXX collection firm, Tenaglia & Hunt : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with XXXX and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from XXXX. This notification from the collection agency, Tenaglia & Hunt is the first I've heard about it. In XX/XX/2023, I returned Tenaglia & Hunt 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.
Product: Debt collection

I received a letter for debt collection dated XX/XX/XXXX from XXXX XXXX XXXX XXXX for an account in my name with my address for a balance of {$110.00} as of XX/XX/XXXX. 
I received this letter by mail on XX/XX/XXXX. 
Reference # on the letter : XXXX Creditor : PayPal, Inc Account Number : XXXX However, I do not have a PayPal account. I have never had a PayPal account. 

XX/XX/XXXX I called PayPal customer support ( XXXX ) to report fraud and identity theft and requested that this account be closed. XXXX, the PayPal service provider asked to verify my e-mail address and last XXXX of my SSN. I declined to provide these as I did not want to give away further personal information. She told me she escalated this to her supervisor and that they would call me back today. I verified the number the supervisor would be calling back from and provided my cell # for call back. I did not receive a call back. 
I asked to know when the account had been opened and if it was opened with banking details. She declined to give me this information. She stated she would close the account. 

I have sent the letter back to XXXX XXXX XXXX XXXX disputing the debt and asking for : Verification of Debt : I request that XXXX XXXX XXXX XXXX provide verification of this debt, including details of the original creditor, the account number, and any supporting documentation that validates the debt 's existence and my obligation to pay it. and Cease Communication : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that all collection activities related to this alleged debt cease immediately until its validity is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed for inaccurate reporting on my credit profile a couple of months ago. I have not received any notification or esults and its been over 45 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Furthermore, I request the removal of all unknown addresses associated to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

your company violate15 USC 1681c-2 : Block of information resulting from identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX placed a paid charged off timeshare account on my report. Because it is a real estate transaction it is preventing me from getting a home loan. I have never had an account nor signed up for timeshare with XXXX XXXX. Furthermore I have never paid the more than {$15000.00} that was required to pay off the charged off account to XXXX. 

On XX/XX/year> I sent a certified debt validation letter to XXXX and they received it on XX/XX/year> ( proof will be attached ) They have not sent any documentation validating the account and it has been more than 30 days. I sent a second validation request yesterday. 

I believe someone else with my name had this account but they put it on my report. I have never signed nor conducted any business with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX .  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Bank Statement as verification of my ONLY address. 

Please delete this negative account immediately.
Product: Credit card or prepaid card

I have applied for a credit 2 times within the coarse of a year with capital one with an Awesome payment history and was denied both times
Product: Credit card or prepaid card

On XX/XX/XXXX I had charge on my Chime credit builder card from XXXX XXXX of {$300.00} I called because I dont have acct with them it was closed last year. So I filed a dispute with chime get my money back but at that time they said 60 days! Im like umm no thats insane Ill do it myself get this fixed. So contacted XXXX They said was glitch in system my card was still showing active so they refunded the funds on XX/XX/XXXX back to my card gave me transaction ID a ledger number and even mailed a letter to state funds were sent back to my card. I called Chime and let them know a week later they said they received nothing and I was like that cant be the case because I have all this documentation XXXX said they did everything on their part. Chime says we dont have anything we are showing nothing we need proof and I said OK well Im sending you all the proof. So they said email all prof ok Heres a copy of the letter here is a transaction ID cant you look it up youre a bank Well and then I find out they cant look it up because apparently theyre not an actual bank which Im learning this out now. So weeks go by and here I am still asking where my {$300.00} and they tell me theyre still investigating and I keep arguing the fact what are you investigating the funds were sent back in XXXX here we are XX/XX/XXXX and youre still claiming your investigating you have the proof you have everything so theyre refusing to give me my money back theyre telling me they have until XX/XX/XXXX and they have 30 days from the visa card to receive funds Ive explain to them its been 30 days you keep giving me XXXX reads from script and then they hang up on me. So then I said OK well let me cancel the dispute because theres nothing to dispute you have the funds and they dont even answer the question they go in circles.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 ( REGIONAL ACCEPTANCE ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I attempted to transfer {$5.00} worth of XXXX  ( cypto currency ) to my Kraken ( crypto currency exchange company ) account. I have done this hundreds of times before using other exchanges. This was my first attempt using Kraken. Well the money never shows up in my account. I contact customer service and was told I didn't do the transfer correctly ( Huh? ). I needed include a Memo entry ( Huh? ). I was told to get my money back I need to send the MORE money ( Say what? ) I provided them with screen prints showing where the money came from and the address. I asked simply for them to refund my money to my XXXX wallet where it came from. They insisted that I will need to send them MORE money! Of course, I refused. If a thief steals your money, it would be stupid to give the thief more money to get it back. They are simply scamming people. 

My account number AKA public key is XXXX XXXX XXXX XXXX 

I can provide the same screen prints. I closed my account fearing I could be scammed in the future.