23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/year> LVNV Funding LLC Dear Sir/Madam, I am writing in response to your recent attempts to collect on an alleged debt. A judgment was filed against me in Virginia before the statute of limitations expired. However, I have since relocated to New Jersey. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I understand that for your collection agency to legally pursue this debt, the judgment must be transferred to the state where I currently reside. 15 U.S. Code 1692i of the FDCPA states that a debt collector can not attempt to collect any amount unless it is expressly authorized by the agreement creating the debt or permitted by law. 

Therefore, I kindly request that you provide documentation showing that the judgment has been legally transferred to New Jersey. Until such documentation is provided, I must ask that you cease all collection activities related to this debt. 

Please be advised that I am aware of my rights under the FDCPA, and any violations will be reported to the appropriate authorities. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to reactivate my account on XX/XX/2024. I deposited {$20.00}, and all required evidence, including a selfie with my passport, a copy of my passport, and my email and phone numbers, were validated. When I requested to change my address from my Company address to my current address, I was asked to submit a copy of my latest credit card statement. But then, my Wise account was closed and, I was asked to upload a copy of our utility bill with my name and address on it. However, my father 's name was on our electricity bill and I do not have any other billing statements under my name, except for my credit cards. 
I received an email informing me that I can submit it through the Appeal section in my account and I can submit other supporting documents via email, which I did. I also submitted a copy of my father 's driver 's license, his selfie holding his ID, and XXXX  certifications signed and sealed by our XXXX  XXXX confirming that we are both bonafide residents, lastly a copy of my birth certificate to prove my relationship to the account holder of our electricity bill. However, after submitting all of these documents to be able to update my address and have my account reactivated for payroll purposes, they've decided to close my account and refund the {$20.00} deposit to my bank account. 
I was hoping that my appeal would still be accepted and that my account would be reactivated for our payroll. 
I told them that this account would be presented to my employer ; rest assured that all transactions will be initiated by them and transferred to my bank ; there will be no other transactions. I filed a complaint but their final decision was to permanently close my account.
Product: Money transfer, virtual currency, or money service

My problem is with coinbase.com They blocked my account for revision more than one month ago... the origin of the problem was that they send an email ( by error ) saying that my configuration of double factor login was changed, and they sugest click a button for revision of my account if I didn't do the change... 

I pushed the button, but after this coinbase.com published a message explaining that the e-mail of double factor change was an error that they send. 

The problem is that I have mi account blocked in revision from then. I sended some e-mails to coinbase requiring unlock my account, I sended photo of my face, my nathional ID card, etc... but they respond that the revision required a few days ... more than 35 days after, my account still is blocked. 


I have a little inversion of XXXX XXXX currency, that start with XXXX but in this time arrived to XXXX today it's in XXXX But I can not touch my money Can you help me? 

Thank you very much Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is one XXXX  of a company! I have been receiving these emails from them for over a year. The emails are alerts stating that my credit score has either increased or decreased, among other things. Within these emails ( that I NEVER requested ) is no option to unsubscribe from from receiving said emails. 
Within the emails is a Membership ID # that apparently means absolutely NOTHING. I've tried going to the Experian website and logging in, but since I NEVER made an account with them, there is no way for me to log in. I slect the " forgot password option, then I put in the email address to which they keep sending me marketing alerts regarding " my account ''. Upon submitting that email address, Experian tells me " We were unable to find any accounts that matched the username you provided. If you don't know your username, click on " Forgot Username '' below. '' So apparently Experian is sending me alerts about an account that I do NOT even have, NEVER signed up for, and can not unsubscribe from. 
And here is the icing on this XXXX cake ... I have called Experian via the phone number provided on their website. It is IMPOSSIBLE to get a human on the phone to resolve my issue. I am NOT giving them my social security number when I do not even want to have an account with them. So I am stuck in a circular argument, with no beginning and no end. To illustrate my point, I advise the CFPB reader of this complaint to try calling the Experian Support Phone Number ( XXXX ) XXXX ..I promise, you will not get a human on the line and instead will have the call disconnected without accomplishing ANYTHING, at all.
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

In the past 6-8 weeks, Bank of America closed two of my credit card accounts. These were small accounts and payments were being made. I make all my payments from my home phone number, so when I called to make my on time payments, the audio assistant stated that my account ( s ) were closed. After making my payment ( s ), I asked to speak to an assistant who informed me that they closed my account because they didn't have my cell phone number, so I gave them the number, along with my SSN and the answer to my security question. They said they couldn't look at my account without my cell phone being on file. The absurdity was not lost on me, so I asked " Well how do I find out why my account was closed '' and they replied they couldn't tell me because my cell phone was not on file and they would send a letter with a number that I could call. I have not received a letter with this magic number. I feel that I am being discriminated against for .several different reasons : I am a widow, I am XXXX, I am not " wealthy '', I have a credit rating in the low 700 's, I am a woman, I don't use electronics resources to pay my bills or access my account!!!! I hope you can assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXX XXXX, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 



XXXX XXXX, personal XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter.
Product: Checking or savings account

On XX/XX/year>, I try to pay with my debit card at a gas station and it was declined I went to the XXXX XXXX XXXX and spoke with the assistant manger she was not able to tell me the reason so she just hand me a phone number to call by myself, when I called the number after XXXX minutes waiting a gentleman answer the phone he told me that in the next XXXX  days I will be receiving a letter explaining the motive why my account was closed and a Cashier Check with the balance of my closed account well it's been more than XXXX  days since I made numerous calls to find out what is stopping the delivery of the promised letter and the cashier check so far nobody is able to tell me a logic reason of the delay, today XX/XX/year> I call again for the XXXX time to find out and still the same answer nobody knows what's going on.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has refused to provide me with a copy of my credit report. Despite providing all necessary identification detailsincluding my ITIN, foreign passport, address, and credit account informationthey continue to deny my request. 

Experian claims they can only verify my identity using a XXXX. Drivers License or XXXX XXXX. However, as I am not a XXXX citizen, I do not possess these documents. I have submitted alternative identification that meets reasonable verification requirements under the Fair Credit Reporting Act ( FCRA ), yet my request remains unresolved. 

This situation has caused significant inconvenience and frustration. As a consumer, I have a legal right to access my credit report, and Experians refusal to recognize valid alternative forms of identification violates my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear bureau, I am heavily monitoring my credit and noticed several inaccuracies. You have original creditor listed on my credit report. Who is that? To my knowledge any item you list on my credit has to VERIFIABLE according to the FCRA. There is no contact information for original creditor. I did my research and nothing popped up. Remove this erroneous account from my credit report immediately within 5 days of this letter. 

Should you not remove this I will send this to my Attorney general for further review. 

List out the account name ( XXXX ) - Account Number
Product: Debt collection

A company called PORTFOLIO RECOVERY ASSOCIATES reported I owe XXXX XXXX XXXX , account start at XXXX XXXX, 2016! <P/>The truth is I never use XXXX XXXX service, and I do n't never owe XXXX $ from them. <P/>This is a scam. I already filed dispute.
Product: Credit card

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Debt collection

I'm not going away! I'm filing a complaint with the state AGs office and directly to the CEO and President of GM. All GM has to do is step 1 ... prove that they sent the required notice of intent to take possession of the vehicle and that it was sent overnight with a signature requested. They can't do that because they never notified me! They can't do that because they didn't follow UCC regulations! They can't do that because they are sending form letters about ID theft and repeat requests. Well, I wouldn't have to do a repeat request if GM wasn't selective in what documents they want to provide. 

The first letter said " based on the information you provided ... this may be ID theft. '' I asked for debt validation - STALL TACTIC! The next three letters said, " no specific item was requested for validation ''. Well, I sent a whole list! 

What is nonspecific about : Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 

Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title XXXX Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Check Sheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession. 
Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ). 
Letter of Private Sale ( Disclosing Purchase price of buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt This is total XXXX! They didn't follow the law and CFPB its time for you hold them accountable!!
Product: Checking or savings account

On XX/XX/XXXX, I submitted documentation to Navy Federal to open a trust account. I am a brand new customer. 

On XX/XX/XXXX, I received a letter from Navy Federal that an additional signature was needed to a form to open the account. The letter referenced an enclosed trust form. There was no enclosed trust form. I called Navy Federal within the posted hours at the bottom of the letter to explain that there was no enclosure but was told I would need to call back the next day because the trust department in fact had shorter hours than those posted in the letter. 

During this call, I got a voicemail from another Navy Federal member in Washington state that he received my trust documents. He was upset at the disclosure of my personal information to him, which included my banking account number, XXXX, driver license number, date of birth, telephone number, and some details of my trust. He felt bad for me and wanted to let me know what had happened. 

I shared this with Navy Federal in writing and requested a call back from their legal department, asking for an explanation, so I could get a sense of whether the data breach was more wide than the sending of my confidential paperwork to a stranger in Washington state. 

I did not get such a call from legal. Rather, XXXX days later, and after I spoke to a customer intake person at the bank 's call center and also went to a branch in person in XXXX the prior day to emphasize my concern on their sloppiness with key private information, I got a call from a customer service person offering little explanation of the mix up, an offer for reimbursement of a limited duration of credit monitoring, which I would have to take the time to secure on my own and then chase them for reimbursement. I requested credit protection for a considerably longer period, preferably a lifetime protection or protection while I am a customer of Navy Federal ( they first offered 12 months, then 18 months, then a maximum of two years ). 

I need a much more clear explanation of what happened, the chain of custody of my documents, and, frankly, an apology for the lack of care of my personal information. It also would be helpful to know how common this pattern of improper data disclosures is at Navy Federal. It is simply unfair for Navy Federal 's own members to have to ferret out its problems to protect other individual members. 

I also would like to be furnished with credit protections and ID theft insurance that extend past the typical two year period that ID thieves let run before engaging in ID theft.
Product: Checking or savings account

On XX/XX/XXXX I hired XXXX XXXX XXXX to create my website and app called XXXX XXXX. Through Chase Bank I sent two payments over {$8000.00} to this company. When my first payment XX/XX/XXXX was sent via XXXX to XXXX XXXX XXXX the payment was processed under the name XXXX. When the second payment XX/XX/XXXX was made XXXX XXXX XXXX then changed their name to XXXX XXXX and the payment was processed to XXXX. Their phone numbers changed several times. The XXXX XXXX XXXX was supposed to be available for download before XX/XX/XXXX and three months of marketing was supposed to be included prior to app launch ( XXXX ). In addition the matching website wasn't completed to onboard the contractors in order for them to work which would have needed to be up and running before XX/XX/XXXX. 
When I spoke with XXXX XXXX XXXX about my concerns that it was eight months and I still don't have a live website or app I was told that the person who works their and signed a document stating they would deliver my app, website with three month of marketing prior to app launch. The person no longer works there and he signed the document and they're not obligated to do anything. I reported the wire fraud to Chase bank. Ultimately, when I spoke with Chase bank in XX/XX/XXXX they didn't help they told me to deal with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

My appellation is XXXX XXXX. I am making this complaint of my own accord, there is no third party involved. I do not consent to e-oscar verification. Capital One has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies for more than 90 days. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize Capital One to remove this inaccuracy.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with experian XXXX and XXXX and have submitted an FTC report with each Complaint.Account name : XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX