23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a request for Validation from PORTFOLIO RECOVERY ASSOCIATES concerning alledged debts with XXXX XXXX XXXX XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX for {$1400.00}. I asked to be provided with their Texas Debt Collection License and Bond information as required by the Texas Finance Code and proof that they either owned the debts or they were authorized to collect the debts by the owners. I also asked for proof the debts were legitimate and how they calculated the balances. 

They did not provide me with licensing or bond information. They said they owned the debts having purchased them from the original creditors but did not provide any proof they were the owners other than them just saying they were.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance {$300.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

starting in XXXX of 2016 I hired a lawyer and we started the process with Fay servicing of a loan modification so I would not lose my home. 

I have filled out the same paperwork for almost 2 years now. 
They keep sending documentation about foreclosure. 
Every time I submit some type of documentation they tell me it either has expired because it takes them 90 days to review it, ca n't read it, forms have changed and that a line on a form is wrong and to do it a different way. 

I have spent at least {$2000.00} with my lawyer t file paperwork.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses and accounts. I do not recognize the aforementioned addresses and accounts as reported. The aforementioned addresses and accounts appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses and accounts are the result of identity theft and fraud. Enclosed Police Report with the fraud accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent XXXX XXXX XXXX account. XXXX is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.
Product: Money transfer, virtual currency, or money service

I started using Coinbase to buy crypto currency in 2020 or so. I had some trouble early on with getting a promo offer, but eventually support finally made it right. About a year later, I recommended someone and never got the referral bonus but couldn't concretely prove it and it wasn't worth suffering through the support system to get it. In XXXX, I changed my name and began working with XXXX to get my name and information updated on my account and my account verified. I have been struggling ever since. I was asked to upload my documents dozens of times. I finally had to escalate angrily to get that one part done. Then my account wasn't verified and I was unable to earn interest for months and it took months to get that straightened out. I tried to take advantage of other promotions and staking, but couldn't because the level of support was so terrible. I would ask a question, they would never answer and ask me to trouble shoot. Never read the email, just blanket trouble shoot. So frustrating. I opened a complaint with XXXX, they recommended me to FTC and other agencies because they couldn't resolve with Coinbase. Coinbase has a very specific process on how to handle a complaint on their website- I followed the formal complaint process, but they closed it saying I had an open support ticket and that I needed to close that prior to opening a formal complaint. I replied that I am opening a formal complaint due to the fact that I have spent the past several months fruitlessly struggling with support without any resolution and am escalating the way they design and was shocked to find them ignore the formal complaint to the already terrible service. They run you around in endless circles with no desire to actually resolve any issues. I don't believe they intend to resolve any issues- in fact, I believe that they purposely avoid solving issues to avoid paying out any advertised incentive. I don't know if it's false advertising, but it's certainly not following through with promised incentive. And the customer service is the absolute worst in the business. I have emails that can be viewed if there is somewhere to forward them.
Product: Mortgage

I believe that experiencing a breach of contract and believe funds are misapplied. 

I received a letter stating that my mortage was increase from Originally XXXX due to escrow fees that are not accurate. 

I have a statement stating my escrow about was short by XXXX Ranging from XXXX The bank refused to 1., allow me to pay my own taxes, 2., are misappropriation of funds being charge
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX # XXXX ). Transunion, XXXX, and XXXX are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate ( XXXX XXXX XXXX XXXX account # XXXX. ) XXXX XXXX, Transunion, XXXX, and XXXX have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX account ( XXXX ) be delete immediately from Transunion, XXXX, and XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent and inaccurate collection account from my credit report. This account appears to have been reported inaccurately by both Experian and XXXX, as detailed below : Experian reported the account as opened on XX/XX/XXXX. 
XXXX reported the same account as opened on XX/XX/XXXX. 
These discrepancies clearly indicate inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681c-2, credit reporting agencies are required to remove any information from a consumer 's credit file that can not be verified or is inaccurate.

Furthermore, this collection account is fraudulent. I have never opened or authorized such an account. Enclosed with this letter, you will find proof of a data breach that compromised my personal information, further supporting the claim that this account is fraudulent.

Given these circumstances, I respectfully request that the Consumer Financial Protection Bureau intervene to ensure the removal of this inaccurate and fraudulent collection account from my credit report. This will help to rectify the undue harm this erroneous information has caused to my creditworthiness.

Thank you for your attention to this urgent matter. Please inform me of the actions taken to resolve this issue. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Proof of Data Breach, Copies of Credit Reports ]
Product: Payday loan, title loan, or personal loan

I have received calls and email threaten me about the legal actions and lawsuit. Resist to tell me how much debt i owed and the name of the company. I asked them to send a debt validation to my address and they said you no need to worry about it. They also called my sister to locate me and saying they will send a cop to my sisters address or mine. This made me stress so much not knowing what to do with them.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered fraudulent account being reported, these fraudulent accounts are XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXXXXXX opened on XX/XX/XXXXXXXX these accounts are fraudulent and I request them to be removed, as they are affecting my credit score. Also I have discovered fraudulent hard inquires these are XXXX XXXX XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Information is reported under late payments with the company XXXX and a new account was open that's is not mine Name XXXX. 

Some of the late payments reported was during XXXX XXXX late payments should be removed from my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 right 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.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account 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 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 reporting, credit repair services, or other personal consumer reports

My husband and I had a boat loan with USAA in XXXX. 

My husband died in XXXX. I made payment until XXXX when I decided to sell the boat. I also paid over the loan amount due to having a higher balance then the sales price so USAA agreed to allow me time to sell it without making a monthly payment, since my husband died. They agreed to not hurt my credit yet they did. 

They were unprofessional with the buyers lender and lost the loan info and lost the payment check they received. I almost lost the buyer. I reported this for years begging for credit corrections. The boat was finally sold with a trailer and engines once they got the paperwork right. That was in early XXXX Credit remains incorrect and damaged. 



Im XXXX I needed to buy a new car. I was given a higher interest rate bc USAA had XXXX in debt in my ratio, as they stated I had never paid the loan off. This caused my car interest rate to be higher then I deserved but I had to turn my our family car over to its lender since my husband died. USAA was called again and took months to remove the debt. They agreed they were wrong yet again but that hurt my interest rate. Did not have time to beg them to fix it. I am self employed so my credit is important to me. 

They now ( XX/XX/XXXX ) have a UCC filing against myself and my late husband bc they state we did not pay off the trailer that was part of the boat sale. 

I received a title in my late husbands name last week. Title made out to a deceased man who they know is deceased. Also a title we dont have any rights to because I sold that trailer with the boat in XXXX. This means that never released the title to the buyer. I told their Coorporate office this in XXXX and they did not care about the incorrect UCC filing. I asked them to send me something in writing stating they agreed this has all been handled wrong and they refused. They have not returned calls either. 

I am still begging them to remove the inaccuracies from my credit and send proof of their errors. They have denied my credit appeals and violated lending laws when my credit monitoring company had me request documents they failed to provide. 

Please help. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX DOB XX/XX/, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) in the amount of {$770.00}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is mine.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on SOUTHWEST CREDIT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I extend my appreciation for the time you have dedicated to addressing the removal of the previous fraudulent inquiry in my credit file, which was a result of an alleged identity theft. However, I find it necessary to bring to your attention that several inquiries still persist, necessitating immediate resolution. This marks my sixth correspondence to XXXX and an additional letter to Experian, reiterating my status as a victim of identity theft and disputing the inquiries in my file linked to this crime. Importantly, the inquiries under dispute have no correlation to any transactions for the acquisition of goods, services, or funds that I have personally authorized or engaged in. I kindly request the expeditious removal of the reporting of these inquiries from my credit file, attributed to the alleged identity theft. For your reference, I have outlined the pertinent details below : -- EXPERIAN -- XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I noticed several hard inquiries and fraudulent accounts that I did not authorize. The unauthorized inquiries include : XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Additionally, I found fraudulent accounts in my report that I never opened : XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX These accounts were not authorized by me, and I believe they are the result of identity theft, as documented in my FTC Identity Theft Report ( # XXXX ). Their presence on my report is causing me financial harm and impacting my credit score.
Product: Money transfer, virtual currency, or money service

Hello, my Venmo account was frozen on XX/XX/21 ( XXXX days ago ) I was told would take up to XXXX days for my funds to be released. Im hoping to have my funds soon.
Product: Vehicle loan or lease

After recent payments have been sent, the pattern of money paid to the company and money applied to the account shows where there is no explanation of where it has gone. Regardless of other missing payment, the most recent since XX/XX/XXXX shows an urgent notice for {$450.00}. Since this notice, it is very clear that {$70.00} has been paid, then {$100.00} has been paid. Total {$170.00}. That leaves a {$280.00} balance for the {$450.00} past due. Instead of a {$280.00} past due notice, there is a {$320.00} past due notice, with no explanation regarding the {$45.00} missing after sent to Bridgecrest. This has been an ongoing issue for about 24 months. There have also been attempts to steal this vehicle, abuse at the dealer, and problems with the emergency service inside the vehicle. With notices sent in email saying it is a government owned auto. It is not. There is a problem with the accuracy of payment history and repo attempts regardless of payments made on the car. Disputes regarding ownership, identity.
Product: Money transfer, virtual currency, or money service

Dear user you have an available balance of {$50000.00} but you're unable to withdraw these funds due to account ineligibility your Coinbase account isn't up to 6months and above your minimum deposit was meant to be {$100.00} and maximum {$10000.00} but {$50000.00} was deposited all at once you'd run an account bypass/upgrade so your account could be upgraded .the XXXX deposited in your wallet isn't disissue once your account is upgraded your usdt would be available for instant withdrawal OK so I understand it as the following..

1. I need to pay {$850.00} to unlock my account.

2. Then I need to buy XXXX  to transfer my money out of coin base. 

3. u have no access to my wallet 4. There is no way I can move my money to coinbase for trading.

5. That money can be in there for 6 months and I will still need to pay the {$850.00} Are all the stamemts correct You need just XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID THIS ACCOUNT OFF LVNV FUNDING LLC ON XX/XX/2020 THEY PROMISED THEY WOULD REMOVE IT FROM ALL 3 CREDIT BUREAUS IF I PAID IT BECAUSE IT WAS TOO OLD TO SUE FOR. SO I DID PAY IT OFF AND THEY DID NOT REMOVE IT FROM CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX -inquiries XX/XX/XXXXXXXX XXXX- -inquiries XX/XX/XXXX XXXX XXXX- -inquires XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiries XX/XX/XXXX XXXX XXXX XXXX charge off XXXX charge off XXXX XXXX XXXX acc Charge off XX/XX/XXXX XXXX XXXX XXXX XXXX  charge off XX/XX/XXXX
Product: Debt collection

The loan with XXXX XXXX was written off due to XXXX XXXX damage to my property during installation as well as their breach of contract in installing upgraded windows, refused to allow manufacturer to come inspect after installation. Repeatedly ignored emails when trying to rectify the situation, wrote to the owners and attorney and never received a response. The charge was removed from my credit report for years, now all of a sudden LVNV Funding LLC is contacting to collect. They have called my phone so much that I had to block their number, they email me several times throughout the month. Additionally, there are incorrect dates/no dates of the original loan provided. XXXX XXXX  has fraudulently reported and sold my personal information to LVNV Funding LLC without my written consent. In accordance with the Fair Credit Reporting Act, this has violated my rights under 15 USC 1681 602 states I have the right to my privacy. I have attached documents showing proof, my emails and letters sent to them of me trying to resolve the issues, as well as documentation showing that LVNV has incorrect/no date of original loan and numerous emails.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/year> I paid {$9.00} for a MoneyLion XXXX  subscription. On Tuesday XX/XX/year> I applied for a MoneyLion XXXX checking account and was sent an email on XX/XX/XXXX to confirm that I was the actual subscriber of the MoneyLion subscription in my name by submitting a picture of my Drivers License front and back. Then I was asked to send another email of myself in a selfie holding my drivers license. I submitted the information and was sent a denial of reopening and active account from XXXX XXXX. through MoneyLion. They offer cashback and XXXX XXXX XXXX where you can play games and win money and get cashback on shopping using a MoneyLion XXXX debit card. I have accrued {$42.00} so far but I can not cash out on it or use it to pay my outstanding balance. They responded that I do not look like the person on my ID and that they suspect that my name on the subscription is not who I am on the ID and to follow instructions and resubmit the selfie and my Drivers License pictures front and back. I resubmitted the pictures via email again. Their retention department sent me a email on the XXXXXXXX XXXX XXXX saying my identity verification has failed and to resubmit my Drivers License and selfie all over again in a coerced tone in an email. I feel that this a flawed and discriminatory practice using some form of financial and XXXXXXXX XXXX  understanding. Many people do not like my first name. I feel this practice is an injustice if not flawed. I have even sent proof of my check stubs.