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

" XXXX XXXX, 2017 Equifax Inc. XXXX XXXX : XXXX XXXX today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers .... The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. '' ( https : //www.equifaxsecurity2017.com/ ) I was informed that my account was impacted by this incident via Equifax themselves ( via this link ) : https : //www.equifaxsecurity2017.com/potential-impact/
Product: Credit card

I sent the following message to Capital One on XXXX/XXXX/16 : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. 
On XXXX/XXXX/16, I contacted Capital One with the following message : On XXXX/XXXX/16, I contacted your business with the following message : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. On XXXX/XXXX/16, I was contacted by XXXX XXXX a representative of Capital One who ensure I would only be contacted at the means listed above. 

On XXXX/XXXX/16, I was contacted at my place of employment by Capital One by XXXX a representative of your company. Due to continued contact at my place of employment, I will be filing complaints with New York 's Attorney General 's office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. 

I am seeking assistance from your organization to stop harassing phone calls at my place of employment and only contacted by the means I specifically specified.
Product: Student loan

I have originally filed a complaint about navient. They put my student loan in forbearance And I did not agree. After contacting them they agreed to take the loan out of forbearance did not claiming the co-signer is paying it. That we signed a forbearance. I have disputed this and asked to see the signed forbearance still nothing. This company has tacked on outrageous amount of money. They also lied stated that the loan is being repaid. First time it was {$2.00} next time {$110.00} now it says {$0.00}. They are creating their own payment schedules and forbearance. Originally when contacted by this company I disagreed with amount and they insisted its fees. They also insisted that nothing could be done and a forbearance was the only way to go. I do not work nor have taxable income. This company has committed fraudulent activity. Yet an still doesnt hold their end of the bargain. I have disagreed with a forbearance. I have disagreed with paying this loan due to financial hardships. They have also lied said theres an over payment yet no account is on file for autopay. Even while in school they claimed I couldnt have a deferment.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. UPON LOOKING AT MY CREDIT REPORT FOR EXPERIAN, EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I HAVE A RIGHT TO PRIVACY.

MY INFORMATION AND ALL LISTED ACCOUNTS BELOW HAVE BEEN AFFECTED IN A DATA BREACH. I HAVE NO KNOWLEDGE OF THAT I HAVE NOT IN ANY WAY SHAPE OR FORM SEEN. PLEASE DELETE THESE ACCOUNTS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I contacted the Customer Service at Barclays Bank Delaware, Mastercard XXXX, and I spoke with XXXX Supervisor. Whom I explained that due to the current Covid-19 Pandemic, I will not be traveling and that I have a XXXX XXXX XXXX, and I wanted to change my Credit card back to the non {$99.00} fee, and ask that I not continued to be charged the {$99.00} annual fee for XXXX XXXX XXXX XXXX I was told by that my credit card could not be downgraded and that I would have to pay off my bill, close my account and reapply.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  And list of inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Product: Debt collection

On or about XX/XX/XXXXXXXX I was improperly served with a legal complaint which was written up on XX/XX/XXXX according to the documentation the law firm submitted to the courts. The documents included in support of this alleged debt, that I in no way admit to owing, state that the account went into delinquency on either XX/XX/XXXX or XX/XX/XXXX either of which dates are sufficient to prove that this legal action was time barred by Colorado 's six-year statute of limitations. 

On XX/XX/XXXX I letter sent by certified mail that served as legal notice pursuant to the Fair Debt Collections Practices Act, 15 U.S.C. 1692 and the Colorado Consumer Protection Act ( CCPA ), 6- 1XXXX101 to -115 C.R.S., 1969, for the company and law-firm to to cease and desist their legal complaint and all other collection activities associated with the debt alleged in said legal complaint. 

On XX/XX/XXXX I returned a call to XXXX XXXX XXXX # XXXX and he stated that in conference with his client that he had decided to offer to dismiss the time-barred lawsuit if I in turn would release his client and himself from their liability under the FDCPA and CCP. 

By attempting to negotiate with me and using the threat of a time-barred lawsuit which is already in motion, his actions have been sufficient to trigger an additional cause of action under the FDCPA. While simultaneously voiding any right they have to claim the protection of the bona fide error defense due to their refusal to dismiss the time-barred suit after receiving notice.
Product: Money transfer, virtual currency, or money service

My money was stolen XXXX XXXX XXXX I tought that I was trading using the XXXX XXXX  XXXX. I borrowed money and bought XXXX ( this was advised by the scammers ). After a few trades, they dissappeared leaving me broke and having great debts with the persons I borrowed the money from. Fast forward to two years later ... ( XX/XX/2023 ) I got contacted by someone ( XXXX XXXX ) from some trade control company. He told me that the stolen funds were seized and that Coinbase was cooperating to get the stolen funds back to the victims. There were off course hundreds of victims worldwide. 
Now Coinbase send me emails that the stolen funds are ready to be transferred back to my wallet ( coinbase wallet ) but before they will do that, I will have to top up my coinbase wallet with XXXX XXXX. Witch I don't have off course. So they want me to top up my account with them before they release the funds to me... This sounds like a scam. But I don't know what the regular procedure is in these cases. They say that I have to top up XXXX so that my bank won't think that this is a money laundring sceme... The only thing I can say is... XXXX!! Please help.
Product: Credit reporting or other personal consumer reports

I have disputed the fraudulent credit card accounts being reported on my credit reports to no avail. This is very frustrating. Nobody is doing an actual investigation into the claims, yet the bureaus keep telling me the accounts have been " verified ''. Verified by whom??? They are not my accounts and can not possibly be " verified ''. The following accounts are not my accounts and need to be permanently deleted from my credit reports! 
XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 95 % Balance {$6600.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Closed. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$820.00} Highest balance {$7400.00} Monthly payment {$67.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$2600.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY  XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

Im currently a victim of Identity Fraud. 

On XX/XX/22, my Son, XXXX XXXX XXXX and I have bank accounts within the same bank, USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Account # XXXX XXXX XXXX Sons Acct XXXX We received an alert XX/XX/22 with fraudulent activity within our accounts. We called USAA, with difficulty, we were told the investigation will begin and we would be notified. Sure enough, our accounts resumed with the normal balances and access. 

On the XX/XX/22, my Son receives an alert with more fraudulent activity with deposits of 5 {$1400.00} checks within his account, we proceed to call USAA with difficult and they guide XXXX through changing his password. We were locked out of our accounts from this time forward. USAA Representatives stated the MRT Team would be in contact with us within 3 business days. We have called multiple times with no answer. Did finally escalate to the CEO Office XX/XX/22, XXXX XXXX at XXXX XXXX XXXX is looking into this matter and will have people call us. No calls as we write. 

USAA identified US Treasury check numbers via mobile deposits : XXXX, XXXX, XXXX, XXXX & XXXX All labelled Altered fictitious items We received correspondence on this checks & instruction on reporting Identity Theft.
Product: Debt collection

This debt was discharged in bankruptcy, they filed a lawsuit illegally and did not notify me about it and obtained a default judgment. Neither myself nor my bankruptcy attorney was notified. 
In addition, the charges they disputed were from a stolen credit card for which a police report was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how XXXX verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX  XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF ED/XXXX/XXXX Company Inquiries : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I submitted a support request to Coinbase ( coinbase.com ) in an attempt to regain access to my account there.

After over half a year of emailing and multiple support/complaint case numbers, I still have not regained access to my account.

I have attached all emails I sent/received Support case numbers : # XXXX, # XXXX Complaint numbers : # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX Balance : {$36000.00}, XXXX XXXX  XXXX XXXX XXXX : {$840.00}, XXXX XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$5400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Debt collection

After multiple attempts to dispute this debt of {$4600.00} that is in collections with National Credit Systems. I called directly and requested a verification package with proof and validation that the debt belongs to me, however, unfortunately, I received documents from them that are not only invalid but had expired. They have not been able to validate this debt and yet they refuse to remove it. The agent " XXXX XXXX '' behavior was very rude and condescending including making comments like " I'm not the one who needs a place to live or can't find a place to live '' The documents sent are expired documents that us not dated with my signature. When I called the last time to give them this information, I was told by XXXX that it " Your Proof Won't Help '' and he hung up in my face and refused to answer my call anymore. I then had to call and ask for a supervisor who wasn't there. If they can not validate that debt to me but they refused to remove is a direct violation of the debt collection practices and I would like to be compensated for their actions!. They have not been able to validate this debt but refuse to remove it! That is by your definition a violation of the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have applied for a loan modification or loan deferment on my mortgage as my income has been impacted by COVID19 on XX/XX/XXXX with Select Portfolio Servicing Inc. 

They have requested documentation of which I have provided. I keep getting the run around from different customer service reps, asking for random documentations, bank statements utility bills, and tax returns. I have complied with all their requests. They continue to have me re-apply, direct me to their website, which locks me out. Taking me out of a program and switching to other loss mitigation programs. This has taken a toll on my XXXX 

Also, I was told that because I am in their forbearance program, I would not be reported late. Today, XX/XX/XXXX, I called to follow up, and now they tell me they need more information. I am currently going through a divorce. They asked me for a copy of my soon to be ex husbands profit and loss statement, which I provided in XXXX. They said that is all they needed. Now they are asking fo a divorce decree. Each month they always say that is all that is needed, but they keep dragging the process out month after month. This has taken a toll on my XXXX and now they said they are reporting me late. 

I have always furnished every document they have asked for in the last 7 months, and would like a resolution. Please please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.