23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX & XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  XXXX & XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This account is not in compliance according to 15usc 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

We are repeatedly, wrongly targeted for collections calls for an individual named XXXX XXXX. Our family has had this number for at least 14 years. We do not know XXXX XXXX. Based on an internet search, a previous phone number of his was close to our number, but he never had our number. We received these calls even when it was publicly available that he was in jail or prison. This demonstrates what little effort the collection company puts into finding the debtor. The number gets recycled and for years we have dealt with multiple recorded phone calls. It appears that the recovery companies feel no obligation to verify the currency or accuracy of the phone numbers before plugging them into their auto-dialers. Because they are recorded calls, efforts to talk to real people to correct the problem are fruitless. Over the past decades, I can honestly say that we receive more calls on our landline for XXXX XXXX than any single member of our household.
Product: Credit card

I am XXXX XXXX military I was given a Barclaycard gold master card under the condition of 0 % APR and annual fee waiver. Recently they have told me they are going to no longer honor this condition. I asked Barclaycard if I would continued to receive this benefit in XXXX when they removed the annual fee waiver for new applicants, and they said I would. I have the concersafion with Barclaycard saying I would continue to receive these benefits.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00}
Product: Checking or savings account

On XX/XX/XXXX a check was deposited into my account. It cleared the sender 's account on XX/XX/XXXX. The bank has not deposited the money into my account and is telling me that they will hold the money until XX/XX/XXXX. It is not XX/XX/XXXX and I have spoken to XXXX people at the bank.
Product: Credit card

XXXX XXXX XXXXXXXX I opened a JC Penney credit card in XX/XX/year>. At that time, I thought I had paid for my purchase with another credit card. However, I received a bill from JC Penney for the amount of my purchase {$110.00}. I paid this amount ( XXXX ) in full and then immediately closed the account. I received another bill for what was stated as late fees. I paid the {$37.00} late fees. Now I have received another bill stating that I owe more money because they received the late fee after the due date. I feel this is gouging because I am not using the card and have closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

An ATM at XXXX XXXX XXXX XXXX, XXXX, GA XXXX shorted me {$20.00}. I asked the XXXX employees to call their technician to service it. I called XXXX I called XXXX I called branch and I called evolve trust and bank. No one would help me. I filed a dispute with branch, in violation of Regulation E, they would not credit my account for the amount in question which will result in either overdrafts or bills being paid late.
Product: Checking or savings account

There was an account opened without my consent or knowledge by a bank representative and my ex wife in which XXXX XXXX Worth of my unemployment checks were cashed Recently in XXXX I spoke to Wells Fargo and was told they would look into this XXXX months later I get a letter saying that nothing like that happened referring to a recent account that I opened to deposit a settlement check they issued on a different matter. I told wells Fargo department of unemployment had copies of the cashed checks along with affidavids and fraud and that if needed I would get some or a copy they said no well I've been getting the run around like this from the begining. And no help at all I sent wells Fargo regarding this also but never got a response this fraudulent account was opened around XXXX and so far no one has been able to help and I don't have money for an attorney and for the record this was the reason I filed my divorce
Product: Checking or savings account

I opened a chime account and the following month i had my XXXX ssdi check auto deposited to it. Then 6 days later I went to pay my bills and a pop up screen informed me the account was closed. Chime refuses to speak with me on the phone as well as through social media. In fact they blocked me. They sent me a check about 30 days later for XXXX  something i believe it was but it was not the correct amount and they did not enclose any type of explanation with the funds. When i was emailing them at first they said they closed my account and do not have to tell me why ( pretty crooked tradeoff just to get a back door into the finances of American citizens so way to go U.S. government ) the only thing that even makes sense to possibly be a reason I had their rep on the phone walking me through what all to try so that's dead wrong but moving on ... Then after I received that check I had XXXX  to XXXX in returns that were sent to that card. The returns happened after I received the check and they were from XXXX, XXXX, and XXXX  ( these are the ones I recall but that isnt all of them ). Not to mention i informed them i needed to dispute a couple charges that were on there to begin with. So im owed a good bit of money and they've stopped responding and or blocked me. If they do respond all they say is they're passing my case to a supervisor and no one fixes this or responds back again. This happens over and over and over. I want my money and a balance explanation with it.
Product: Credit reporting or other personal consumer reports

TransUnion reporting personal checking XXXX XXXX XXXX XXXX XXXX XXXX  on credit report. No, extension of credit. Not a collection account. Reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I have been submitting various requests to XXXX, Experian and XXXX to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Your organization is in breach! 
According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

In accordance with 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency can not provide an account without my written consent.

Referring to 15 U.S.C. 1681c. ( a ) ( 5 ) Section, it prohibits any consumer reporting agency from including certain adverse information in a consumer report, except for criminal convictions older than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to any consumer reporting agency. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX Incorrect XXXX : XXXX XXXX Incorrect Name : - XXXX, XXXX, XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the incorrect reporting of my credit balance by XXXX XXXX XXXX. Within just 5 days, my credit was reported to have a balance of {$60.00} and {$310.00}, when in fact my actual reported balance was {$0.00}. I have no idea why my credit was reported in this way, as I have not made any recent purchases or payments. This error is causing me great frustration and concern, as it could negatively impact my credit score and financial standing. I kindly request that XXXX XXXX XXXX  investigate this matter and correct the error as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit card or prepaid card

I have been with Wells Fargo with many years and purchased their Credit Defense Platinum program. Allowing me if need be help if on XXXX. Unfortunately, this has become the case. I tried to handle the card on my own and I watch it blow out of control. I called in kept asking what was happening. Knowing I was not going out of my budget. Come to find my interest rate went up, costing me {$250.00} a month. I asked to enact my insurance/benefit policy on the CC so I could pay it down. I also started to receive letters in the mail reminding me I had this option open to me. However, every time I called in I would get the run around that no one knew what I was talking about or that WF never offered such policy and would transfer me to the individuals to close my account. Which I repeatedly said I did not want to do. I kept calling, after reading online seeing others had trouble with this benefit as well. Finally I came in contact with XXXX ; who knew exactly what I was speaking about. and transferred me to the correct department. After multiple phone calls and waiting on hold forever ; I got through to be told NO. My XXXX dates didn't align. I looked over my papers and found they did in fact meet the WF requirement dates. I called back and spoke to another individual telling me no I can not file a claim because i

t was XX/XX/XXXX and all claims needed to be filed by end of XX/XX/XXXX. Even though the recording says XX/XX/XXXX. I started calling WF XX/XX/XXXX and being told this service did not exist. How can I file a benefit if they won't admit to having the service and second have two different filing dates? please help.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Money transfer, virtual currency, or money service

Coinbase I have been locked out of my account for over 3 months. They changed system to only send code to SMS text ( phone ) and it does not go through. They sent verification code to email and i put in that code. It still requires code to be sent to phone and it does not go through. Checked with XXXX XXXX XXXX and thousands of individuals have this issue - it is an issue on coinbase 's end. 

I have sent hundreds of emails to resolve the issue. Was assigned a case #, was told they are looking into it, and then no response. I am still locked out. There are no live chats, no humans to talk to. Anyone using this site is a captive - there is no way to communicate or get any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON EQUIFAX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX  REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX                                                 EQUIFAX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX   XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS CREDIT ONE ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX.

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX.
Product: Payday loan, title loan, or personal loan

I have complained about this company before BUT nothing has changed with billing issues. In XXXX I paid my installment amount x2 yet again. XX/XX/ paid the {$150.00} check # XXXX. Then on XX/XX/ paid another {$150.00} check # XXXX. Now expected to pay yet again on XX/XX/. I am frustrated & tired of this nonsense. With the last complaint I submitted a copy of the agreement & how the clause about payments can be misinterpreted. So now again I am being sent bill for XX/XX/XXXX payment. I want this nonsense to stop! I am attaching copy of the bill & what I faxed back to XXXX XXXX XXXX.