23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Amsher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Follow-up on Request for Validation of Debt ( Account Number : XXXX ) Dear Amsher Collection Service, I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/year>, Complaint XXXX in which I formally requested validation of the debt associated with account number XXXX. 

As of today, I have not received the requested documentation or any communication regarding my request. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide validation of the debt within XXXX XXXX of my initial request. It has now been XXXX XXXX since my initial letter, and I am concerned about the lackadaisical response. 

To reiterate, I requested the following information : 1. Verification of the debt, including a detailed statement outlining the total amount owed. 

2. Original creditor information, including the name and address of XXXX

3. A complete payment history for the account.

4. Any legal documentation that authorizes your agency to collect this debt.

5. Proof of ownership of the debt, including a copy of the original agreement with T-Mobile. I understand that processing these requests may take time ; however, I believe that clear communication is essential in resolving this matter. 

I kindly ask that you provide a status update regarding my request and an estimated timeline for when I can expect to receive the necessary documentation. 

Please remember that until this matter is resolved and I receive the requested verification, I will not be making any payments related to this account. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

On Wednesday XX/XX/XXXX I purchased a aftermarket set of custom wheels for my vehicle the website offered same-day local delivery the total amount I paid was {$5200.00}, The order was never received the same nor next day and the merchant has since refused all communication with me since receiving payment and there website is no longer accessible. The purchase was made via my Cash App debit card so my only other option was to dispute the payment as product not received. The dispute was denied within 3 days by cash app and the reason provided was the merchant fulfilled their obligation. This is a blatant lie and I do not believe cash app investigated this issue at all, The merchant never shipped nor delivered the order or provided any tracking what so ever.
Product: Debt collection

I was a victim of id theft regarding a purchase/lease of furniture thru " XXXX XXXX XXXX XXXX? '' ( XXXX XXXX XXXX ) in XX/XX/XXXX (? ) in XXXX, Ca. for {$2000.00}. Was completely unaware of transaction. Someone was able to access my credit files and got approved online or in store by instant credit? In XX/XX/XXXX I received a letter from debt collector Halsted Financial ( XXXX, Il ) to settle for {$1000.00}. I responded within 30 days disputing debt and requesting all documentation of said purchase, as allowed by law and FTC rules ( purchase receipt, delivery info, phone #, etc. ) Sent proof of id, letter and cc of FTC rules to Halsted ( XXXX XXXX ) in XX/XX/XXXX 

NEVER HEARD BACK. For over a year, Halsted personnel/ telecallers have called/texted repeatedly to attempt to collect on the above id theft debt using abrasive, threatening, and deceitful phone calls and messages. Will not reveal their name. Impersonates or implies connections to law enforcement, the DA, or a law firm. HAS CALLED relatives ( huge violation of Fair Debt Collection Practices Act.. ) Yells my social security number and date of birth over the phone and says " we have a team looking for you! '' I am XXXX years old, a XXXX and XXXX XXXX. This doesn't work on ME -- but what about a vulnerable senior? Also -- YELLS instructions to call out of state phone numbers to provide credit card info. I have saved voice mails of all above. 

Goon-like, BELLIGERENT and illegal debt collection activities. Have resent them ( to XXXX offices on XX/XX/XXXX ) cc of all docs from XX/XX/XXXX ( id theft report, etc. ) and will contact state, city, and federal authorities in Illinois, including the XXXX County DA,  The XXXX County dept. of Senior Services, the city attorney, the Illinois state Dept of Aging, and the state AG.
Product: Credit reporting

Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took thorough steps to ensure the completeness of my dispute by including a copy of my photo ID, social security card, and a recent bill with my current address. These documents were intended to assist Equifax in verifying my identity and address accurately. 

Despite my efforts, I did not receive a response from Equifax regarding the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Equifax has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nearly 70 days ago I sent a letter identifying numerous inaccurate accounts being reported on my credit report. I asked for help in the matter and the bureau repsonded with false accustaions in an attempt to stall this process. It is clear i am being ignored and that they are taking advantage of me and the current time we are in. I have not hired a credit repair company because i dont need to. If my report is wrong than it is wrong. I dont need a credit repair company or anyone else to tell me that. I have eyes and i can read. I am demanding these items be removed. Its effecting my livelyhood. Under FCRA these accounts must be deleted.
Product: Credit card or prepaid card

This is from CFPB case number XXXX XX/XX/2021 Discover - Executive Office Customer Advocacy Per the letter received from Discover that clearly does not address any of my concerns was an epic fail and disappointment. The letter indicated me speaking to reps in the in the customer protection services department. On each call I gathered information and indicated my concerns with the Discover process. On either calls the reps advised they were notating my concerns, and would forward them to the Executive offices which I never heard from until I contacted the CFPB. My concerns are simple.. Why do you need every page of my tax return to validate income? Why would you use XXXX, a company which has proven reputation that has been recorded having a LARGE breach that had the consumers information compromised. In addition to that the algorithm that XXXX  uses and how they are collecting information. How is that information being used beyond the alleged verification. Discover is using XXXX  as a third party and can not vouch for what is happening with my information once given. YES, I am aware that certain information is already provided to credit bureaus monthly. However, my children and additional assets that I may not want considered is listed on my tax return. NOT limited to their social security numbers, dates of birth, & colleges. I cooperated with the first request of verification of my SSN which required me sending in photo ID and my social security card also completed by XXXX through the social security administration. Is this a form of discrimination based on race, gender, and or employment status ; full time vs self employment? 

" Card issuers need income information to offer an increase in your credit limit, under the Credit CARD Act 's ability to pay rule. You can choose to skip questions by your card issuer about your income, but that may affect offers to increase your credit line. '' To be clear yes I elected to close the card because had I did not oblige your request. DISCOVER would have closed my card and that would have HURT my credit rating " Closed by card issuer '', in addition it is bad enough that once the account is closed you loose the payment history that was EXCEPTIONAL even if I close it myself. DISCOVER has adopted this policy and has not considered what it would do to the consumers and their credit rating. 

Again- XXXX XXXX  I appreciate your attempt to respond as required by the CFPB however the questions were left unanswered and there are forums regarding the Discover practices and many concerns because personal information is not treated with care and concern.

Although customer surveys state Discover has great customer service, survey those consumer accounts that were never late, and were given only 2 options. Expose all your information or we will close your account by X DATE & X TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX COLLECT ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX & XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} Opened : XX/XX/XXXX Transunion, XXXX, & XXXX have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXX XXXX demonstrating the inaccuracies. 
XXXX Transunion XXXX XXXX report the last payment as XX/XX/XXXX, as XXXX reports the last payment as XX/XX/XXXX. 
- Transunion reports the closing date as XX/XX/XXXX, as XXXX XXXX XXXX report the closing as No info. 
- Transunion displays XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Transunion reports the account as a charge off - CO, XXXX just as Closed, and XXXX is still reporting XXXX Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.
Product: Student loan

In XXXX, I called every month to inquire after loan consolidation and income-driven repayments. Each time was a different account ( and with some third world country calling agent I might add who could barely speak the language ). After three years of calling, every month or every other month, I was convinced I could not consolidate, and that graduated payments were my only option. 

This was done to lock me out of market low consolidation rates and a IDR plan. 

It is now XXXX. I have given TWICE of my principal back and still owe {$100000.00}. 

Under the consolidation that was available to me at the time according to others with consolidation rates, that amount would be almost nothing today. 

IDR is harder to calculate, but rough estimates according to others with similar incomes put a sum of {$50000.00} less than I have collectively paid today. 

I want to sue Navient for {$500000.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 In the past, i had to file a complaint against Coinbase # XXXX for restricting me from trading ( investing ) which is against the law. In the past, Coinbase website would not accept my Nevada driver 's license nor my banking information from XXXX until i filed a complaint. Since then, i have been trading on Coinbase. A few days ago, i wanted to trade once again but i was not able to because Coinbase is requesting ID and bank verification once again when there have not been any changes. Coinbase website would not accept my Nevada ID once again. Now, i was informed that the financial regulation state ; all investors must prove identity and banking information at the time of opening and account. Federal law does NOT state that financial companies can re-verify or be allowed to harass investors periodically otherwise other companies such as XXXX, XXXX and XXXX would do the same thing. I tried to contact Coinbase, but investors are not able to speak to anyone. I tried to email Coinbase at XXXX XXXX XXXX and the computer or website reflected Coinbase does not accept emails anymore. As you can see, investors do not have a good way, a reliable way to contact Coinbase when investors have an issue. I request that Coinbase fix my account immediately so i can trade without any further harassment or restrictions from trading on Coinbase now or in the future. I request that Coinbase fixes their website and allow investors to email and call customer support at Coinbase to resolve issues. I request that federal agencies investigate this matter for any wrongdoing and fine this company if there has been any violations! Furthermore, i exercise my rights to file out complaints against Coinbase with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to experian, XXXX, and XXXX  about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to call Equifax yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) to have them unfreeze my credit report that was frozen after their security breach. Every time I have tried to call, they tell me they can't pull up any reports because they are going through a " major security upgrade '' and they do not have " any information '' they can tell us about what is going on. And that I should try calling back every hour. 

It sounds like something major is going on at the agency. And it is terribly problematic that I can't access my credit account. I unfroze my account online using my pin and then moved my account from locked to unlocked, but the lender I am working with indicates my account is still frozen.
Product: Mortgage

The company that purchased my mortgage ( NATIONSTAR ) refuses to appropriate my extra payments as I direct them to. When I make extra, principal-only payments, they always take out interest. I have to call them XXXX a month to beg for them to change it. It takes a lot of time and I feel they are harassing and intimidating me ; or trying to wear me down. My checks specifically say principal only on them.
Product: Credit card

Consumer Name : ( XXXX 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 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ), an installment account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Have faxed information several times to Equifax dept of consumer affairs and they keep stating that they have not received my forms for ssn and utility bill but have received my disputes. this initial began on XX/XX/XXXX/17 and I was told I could not get a copy of my credit report until they received this information. Well I received a copy of my credit report. They are stating information is missing from the SSA 85 form which is their address. I corrected the information and faxed it over the last 2 weeks and they receive the other pages in the fax but not these forms. I believe someone is taking the forms out. I just want to take the fraud alert off and have my inquires and disputes taken off my credit report and they are n't allowing me to do this. if I mail the form I believe they are going to state they have n't received that as well please help
Product: Credit reporting or other personal consumer reports

i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. Has violated my rights. 

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

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my writing instructions.