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

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
US SM BUS ADMIN ODA Date of inquiry XX/XX/2020
Product: Debt collection

I had a medical bill for {$45.00} that was paid by check to the company that provided the service, XXXX XXXX. 

Months later on XX/XX/2019, I get a notice from a credit monitoring agency saying a deliquent account for {$45.00} was reported by " Focused Recovery Solut '' to ONE of the credit bureaus. I called the number to investigate what it was for and then see it had already paid but call the bank and the check didn't show cleared so I mailed another check to the company, XXXX XXXX, and carbon copied the letter to the collection company, Focused Recovery Solutions, on XX/XX/2019. 

I never received any correspondence from Focused Recovery informing me of the debt or trying to collect until yesterday, XX/XX/2019 when they said they received my dispute and it was infact valid and they did report it to the credit agencies and are still demanding payment. 

Furthermore, they reported it to the other two agencies the first of XXXX. 

The appropriate steps were not taken to collect the debt and it was paid again on XX/XX/2019 by check # XXXX and cleared the bank on XX/XX/2019 -- -so it's NOT VALID!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only 2 has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN YELLOW IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!
Product: Prepaid card

Last XXXX, I received a {$50.00} XXXX gift card as a gift. In XXXX, I activated it on XXXX and tried to use it at XXXX and XXXX XXXXXXXX XXXX  but it didn't work. I reported the issue on the website, where I had to enter the card number and barcode, and also take a photo of my ID. However, after three weeks with no response, I called and was told that someone else had tried to use the card, so it was suspended, which didn't make sense. When I mentioned sending my info through the website, they claimed they hadn't received it and asked me to fax it. Since I didn't have a fax machine, they explained I could use an app to send it. When I asked why my ID was needed, they said it was to verify that it wasn't fraud. It was all very strange. When I asked if there was an email option, they said they didn't have one. It's really strange in this day and age for a company not to have an email option. I faxed both sides of the card and my ID on XX/XX/year>. When I called on XX/XX/XXXX, they said they hadn't received the fax yet and asked me to wait five business days. On XX/XX/XXXX, when I called again, they said they hadn't received such a fax and asked me to send it by mail. I also talked to the supervisor, and she gave me the same response. I'm so frustrated that the issue hasn't been resolved yet, and I just can't understand why they need my ID. When I expressed my frustration, she didn't even apologize. She just told me to fax the documents again. I gave up after that because it was too frustrating. Then, a friend told me that they had solved a similar problem through your website, so I decided to write this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX  XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app?
Product: Debt collection

this company is stating that I owe them money and its on my credit but I dont have a sign contract with them. 

this account has been on my ftc report and I've disputed with the credit bureaus.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX, 2023, I fell victim to a multilayered scam operation orchestrated by ZoneSwap ( Clone ) ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Bank of America 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in their institution which is regulated.
Product: Money transfer, virtual currency, or money service

I 've had an account on Coinbase / XXXX for about a year now. 83 days ago, they restricted access to my account. Locking in it XXXX Litecoin ( cryptocurrency ). 

I submitted a help ticket to Coinbase and XXXX immediately after receiving the notice. Its now been almost 3 months of back and forth emails ( mostly automated responses ), without any ability to tell me why my account is restricted. Responses can take typically more than a week to receive from them. It has been 2 weeks since the last response. I 'm not sure what else I can do.
Product: Mortgage

SWBC Mortgage - South West Business Corportation ... 
I interviewed several Lenders and informed them of my ultimate goal is to purchase a new home in XXXX, CO & need a lender that is willing to use income from my Rental properties. 
XXXX XXXX with SWBC said ; We can use Income from Rental Properties to assist with LTV and we will have all your information & documentation in our system as we move along in the process. But first, let 's start with Refinancing one of the properties. They approved me for a 75 % LTV w several stipulations, I met the stipulations but their system was not accepting them, so they had to reduce the approval to 70 % LTV. I asked what it would take to get qualified at 75 % and XXXX said ; I would need to increase my base pay to $ XXXX month. I informed him that I 'm having an annual review & expecting a substantial raise in XXXX and will contact him then to re-submit my loan. 
I received an excellent review and increase in pay to $ XXXX. I sent XXXX and copied the General Manager ; XXXX XXXX. This is the email I received from XXXX : " We are now using a new computer system and it 's been too long so we would basically need to start from scratch. We would need all new documents, appraisal, etc. 
I do n't have the capacity at this time to handle the new business so I 'm going to have to pass '' This is so 'UNPROFESSIONAL ''!! ... and wasted ALOT of my Time and Energy. 
So I contacted XXXX the General Manager to let her know how unprofessional this was and asked if she could refer me to another Originator and she started to point out all of the issues and challenges they had with the loan! ... .and when I started to tell her : I had NO idea there were issues or challenges, she started to get defensive and making false accusations at me ... I quickly realized from the reaction of the GM that I was being Profiled & Rejected due to Prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX opened XX/XX/2021 balance XXXX This accounts is not mines and is being falsely and fraudulently reported as opened with a XXXX balance no payment history I have never had an account with this company or signed a contract with this company I have called and disputed this information this account and a proper investigation was not done. This account is not on any of my other credit report such as XXXX and XXXX which is in violation of usc 1681 complete and accurate and consistent information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.
Product: Debt collection

This company LVNV continuously keeps obtaining my information illegally and fraudulently and damaging my credit constantly contacting me making threats and impersonating someone else this is not the first time this company has done this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Student loan

I attended  XXXX   XXXX   XXXX   XXXX   XXXX  Illinois back in  XXXX  to  XXXX  I have a loan that shows from  XXXX  to  XXXX  in an amount of {$19000.00} that is a private loan that I never used but was paid to the school.   The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used.   Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX  XXXXAccount number XXXX XXXX XXXX/ Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Checking or savings account

I have everything to prove that Wells Fargo was charging me for months for over draft fees, I was charged these fee even tho Money was in my acct. This happen for year XXXX overdraft fees for {$25.00}, minimum daily balance of XXXX I contacted the company to have it reviewed but was constantly told they dont see the mistake. I have the emails and the bank statement and everything to prove it.. I was told it was a law suite and wells would be refunding money.. I still have not been contacted, They also added some type of repair acct to my acct without my permission.. Everytime I applied for anything I got denied. Loans, Car loans, I mean anything.. But I bank with them for years, and I would consider that a personal relationship. Never understood why they would denie me at my own bank but I could get a installment loan at other companies.. The over draft fees eventually took me out.. I tried to get my acct back straight but they never fixed or even agreed to fix the problem.. Like I thought I must be going crazy to have a bank tell me they dont see the problem but in my app and even the statements they sent me it was over draft fees, plus a healthy positive balance, no neg balance plus being charge back to b as k for months almost a year because they taking extra money out my acct.. It took awhile for me to notice but I want whats mines.. This cause major hardship to my finances. I was going through a XXXX and XXXX, trying to stay ahead with bills and my business.. And my own bank told me it wasnt happening.. I just realized that this really cause a lot of trauma.. And I wish I knew this was happening to everyone.. I would have loved to stand before the judge with all these documents and things I have saved and let Wrlls Fargo know how I feel.. Please lead me in the right direction.. I need answers.. sorry for any typos.. I actually think I have couple XXXX in over draft fees and return payment fees.. like why would they charge me for letting a company come through 4/5 times, over draft and funny thing the acct had money it.. This was a big scam from a major institution and I feel played.. I take responsible for not looking hard enough at my statement before i started to notice the problem!!!!! but I do not take responsibility for The bank lying and taking money from me at my hardest time In life.
Product: Consumer Loan

XXXX/XXXX/XXXX Dear CFPB, My name is XXXX XXXX and I am submitting a complaint towards Santander Bank, N.A. ( with regards to being the successor to Sovereign Bank [ XXXX based ] ). My father-in-law, XXXX XXXX, and I have had an XXXX accident a couple weeks back ( XXXX/XXXX/XXXX ) and are at the point with the insurance claims adjuster requiring the title for the vehicle. 

The original title, and current title shown in the XXXX XXXX website, show that there is a lien on the vehicle. The vehicle is a XXXX XXXX XXXX XXXX, purchased in XXXX from a XXXX dealer here in XXXX, and there was a 5 year loan placed on the vehicle ; which means that this vehicle 's loan was paid off sometime around XXXX ; 11 years ago. 

After speaking with XXXX title department, it is to my understanding ( as well as theirs ) that Santander Bank, N.A. is the sole successor to Sovereign Bank and that they alone *should* have records of all previously paid auto loans. The representatives I have spoken to at XXXX title department have stated in order to have the lien released from the title, Santander Bank, N.A. is supposed to create a letter stating : " Santander Bank, N.A. is not interested in the vehicle or it 's previous auto loan. The loan for this vehicle ( with VIN #, year, make and model described ) is satisfied, and that Santander Bank, N.A. is the successor to Sovereign bank. '' This written document by an official of Santander Bank, N.A. is supposed to be notarized or signed by the official creating the document, then mailed to the recipient in need of the document ; this can then be submitted to the XXXX in order to create a duplicate title without a lien/lienholder stated. 

I have since spoken with multiple representatives from Santander Bank, N.A. personal consumer department and auto loan department, and neither have helped me in any such way. I have been told that because there is no account with regards to my father-in-law or his mailing address, or vehicle ( searched by VIN # ), Santander Bank, N.A. will not issue a letter of " No Interest. '' Without help from Santander Bank, N.A. in this matter, I am at a complete loss. I urge the CFPB to please help me resolve this matter so that my father-in-law can rightfully buy-back and repair his own vehicle, and that the title ( for which my father-in-law is entitled to having this matter resolved ) is corrected and either showing no lien, or that the lean is satisfied. For the past two weeks, I have not been able to create any progress with this matter ; I am exhausted and running out of resources to resolve this matter. 

Again, please help me resolve this situation so we can all finally move forward. 

Thank you for your consideration and for you help, XXXX XXXX
Product: Debt collection

An account was opened with Barclays fraudulently, and I opened an investigation with the vendor. I received a confirmation letter from Barclays on XXXX XX/XX/2022 and it stated that the fraudulent account would be removed from my credit report within 30 days ; and it was not. Two months later it was still showing on my credit report. I reached out to Barclays about the situation, I was transferred between numerous departments without resolution. A representative informed me that they were unable to update the credit report.

After receiving the fraud confirmation letter ; 3 days later I received a collections letter from barclays.
Product: Debt collection

Hello, My name Is XXXX XXXX. I have contacted this company for over a year trying to get this debt validated or show some proof that I owe the amount that they are placing on my credit report. I have been dealing with this company called National Credit Sytems Inc. regarding a balance of {$1900.00}. I have sent numerous of certified mail letters requesting valdiation that this debt belongs to me. This company has only responding with a lease for an apt I stayed in for one lease year. I have been in contact with a XXXX XXXX that works for this company. I informed XXXX  through letters and verbal that this debt is incorrect and does not belong to me. The lease they sent as an attempt to validate this debt is from the year XXXX but the debt they are charging is from the year of XXXX to an apt . I did not reside in. I have reach out to the apt complex who has told me they are under no management and do not have no record of this debt. I requested a lease from national credit systems showing these charges were accrued from my apt . They could not do so and when i requested this debt be removed due to lack of validity she stated she did not have that authority to do so as they were hired by the property management company during my stay ( who no longer manages the property ). she told she would need to inform them of the findings and see what they wanted to do. I informed her it is against the law to place a collections on my credit report that is not validated and even upon my request for proof you have not supplied with well over 30 days to do so. she proceeded to transfer me to the supervisor named Mr. XXXX whose Voicemail i have been sent to over 5 times in the last 5 months. I am homeless and unable to achieve credit worthiness for decent living due to this invalid account and NATIONAL CREDIT SYSTEMS please help me.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to EQUIFAX. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.