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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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
Product: Vehicle loan or lease

I have had a loan with Santander Consumer USA since XXXX of XXXX, along with the way I have had some job losses that resulted in not being able to pay my bills timely due to unemployment benefits denial and lack of financial support as I am alone as well as pay for everything independently. They recently waived {$200.00} of the late fees as a courtesy in which I am appreciative of, however I am trying to pay this vehicle off as QUICKLY AS POSSIBLE so that when I am in a position to do so I can easily purchase or lease an SUV sometime in XXXX. 

The co-borrower on this loan is not in a financial position to assist as we have been estranged for XXXX  years due to personal reasons and she is barely making ends meet as she works under the table due to not having a full-time job since XXXX. 

I am starting to get back on my feet slowly, I am doing my best to make ends meet as I am picking up odd jobs until I have a full-time position and I am also homeless in which I live in the vehicle. 

I was evicted from my home along with my job loss in XXXX, in addition to the job losses from XX/XX/XXXX to XX/XX/XXXX I was in an abusive relationship where I was beat to pulp resulting in me almost XXXX, XXXX on my medications that I pay for out of pocket because I can barely afford due to lack of insurance and can not afford the co-pays for any therapies or medical care. 

I also tried to XXXX XXXX to escape the abusive relationship in which my ex-fiance is in jail for XXXX years because he violated his probation as I called the authorities on him after he repeatedly XXXX me resulting in me contracting XXXX XXXX along with having intimate relationships with others in which he contracted XXXX XXXX from doing so. 

Prior to all of this, I had a full-time job along with going to school for an education in which I have completed, and I am in the process of applying for the master 's program. 

I am trying my best to make ends meet; therefore, I can not afford the {$200.00} amount in late fees in which I explained to Santander that I was terminated with no money coming in and no financial help from anyone as I am estranged from family and friends for personal reasons. 

I still want the vehicle, however I am asking that the {$200.00} late fees along with the total balance of the loan be forgiven without having to surrender the vehicle as it is my place of residence due to being homeless since XXXX of XXXX.
Product: Debt collection

While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from Medical Data Systems Inc I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Medical Data Systems Inc for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself.

Provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/2024. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX someone took a loan out with pay tomorrow in my name and borrowed money or bought merchandise.Ive contacted them in the past about this issue and I got hung up on twice, and cussed at once.I told them this isnt my account and that they need to verify people before granting them money or credit, and now I got a alert from XXXX saying this is on my credit profile.It shows on my consumer report that last payment was in XXXX of XXXX why wait two years to put this on my consumer reports? Im wanting this deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Mortgage

My mortgage accoun was approved for Streamline Modification on XX/XX/XXXX. Yesterday I received my XXXX payment back and OCWEN 's portal is now saying modification was not approved. My monthly payment {$700.00} was enrolled for Monthly Automatic Draft on the XXXX of every month and has been in effect since XX/XX/XXXX. 
Ocwen has been auto drafting my monthly payments. Yesterday I received XXXX payment via check dated XX/XX/XXXX. My account on XX/XX/XXXX was showing next payment due XX/XX/XXXX. Today my account is showing next payment due date as XX/XX/XXXX with {$350.00} due but the monthly automatic draft is still in effect for XX/XX/XXXX. My principal balance is incorrectly showing as {$180000.00} when debt was discharged in bankruptcy. OCWEN reported to the government in XXXX form XXXX a Cancellation of Debt in the amount of {$110000.00} and in XXXX form XXXX Mortgage Interest Statement reported my mortgage principal as of XX/XX/XXXX {$65000.00}. I also pulled my credit report from XXXX  and XXXX and my mortgage which I've had since XX/XX/XXXX is not listed or being reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having been affected by the hacking breach of Equifax, I have yet been able to sign up for their credit protection offered after their breach. Their website is yet to be working.
Product: Mortgage

In XX/XX/2020 I entered into a forebearance agreement with Wells Fargo bank for the mortgage on a property that I own due to COVID-19. As a result I skipped my monthly mortgage payments in XXXX and XX/XX/2020 which totaled {$4000.00}. I resumed my monthly mortgage payments in XX/XX/2020. 

On XX/XX/2020 while reviewing my Wells Fargo mortgage account I noticed that Wells Fargo increased my principal balance from {$270000.00} to {$280000.00}. 

On XX/XX/2020, I telephonically contacted Wells Fargo bank to ascertain the reason for increase on my principal balance. The unidentified employee indicated that the principal increased because of the skipped mortgage payments. 

It was explained to me when I entered the forebearance program that the missed payments would be added to the end of the loan. I did not borrow any additional money from Wells Fargo so my principal balance should not have increased. The Wells Fargo employee could not adequately explain the principal balance increase, she almost seemed to not understand it herself. 

My mortgage principal balance remains unchanged and is higher than when I entered the forebearance program.
Product: Money transfer, virtual currency, or money service

During XX/XX/2022, I invested money on Coinbase for buying cryptocurrency, but several days later when I am trying to withdraw my balance, my account was blocked. Since XXXX until now, I have tried more than XXXX times connect with customer service to solve this problem. All of the assistant told me that their official XXXX team will contact me via email, cuz they said that I can't use my account for buying and selling cryptocurrency anymore but I can transfer my balance to another address. Yesterday, I only got XXXX emails from XXXX team ; first XXXX was telling me that they are still reviewing my account, and I can try to withdraw my balance, when I tried again, my account was still locked. the second email was a survey, whether the problem was solved or not. I am so upset with Coinbase for playing pingpang ball with my question. When I contact their customer service again, its always repeat the same conversation. Their official supporting team didn't do anything helpful with my concern. There are XXXX ETH approximately XXXX dollars in my account. Thats all the money I have, I need to pay the rent, mortgage and live spending. If Coinbase still ignore my concern, its stealing my money, its a hard time for me. Hopefully my concern will be solved when you receive my comments. Please save me! I am still waiting.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/20XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information
Product: Credit reporting or other personal consumer reports

For the last 2 weeks, I've had to make multiple calls to XXXX in order to help me figure out my issue. They directed me to call the Department of Education... transunion... equifax.. and everyone else in order to help. And I've now found out the problem is with nelnet. My 8 student loans have been in forbearance ( and still are in " admin forbearance '' status as of now ).. but somehow i am 90 days late on the payments. I was only able to find this out from my XXXX XXXX app. On XX/XX/XXXX, at XXXX at night i was told my credit score changed. I open the app to check it and it went down XXXX points!!! My credit score was at XXXX and it had gone down to XXXX. I looked into why and it said my student loans were 90 days delinquent. On my XXXX XXXX, it shows a little green check for XX/XX/XXXX -- which means i was still in good standing at that time. I did my research and there are XXXX XXXX other people ( 43 % of borrowers did not resume making payments on their student loans ) out there having this SAME exact issue. I think this is absolutely absurd to drop XXXX XXXX people 's credit scores because of the forbearance running out without notifying them of this. This type of setback could have ripple effects throughout the whole economy who were looking into homeownership, a new car, etc. I have absolutely ZERO communication telling me this was going to happen. As soon as i found out, i made a payment on XXXX ( the company that bought out my loans from XXXX ) and i will be making the payments from here on out. But this has destroyed my credit score and my chance at buying a home this year. 
To sum this up, my student loan services failed to provide proper and timely notification that my loans had exited forbearance, resulting in incorrectly reported delinquencies that now have significantly impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, loan services are required to ensure that reported information is accurate and to provide borrowers with reasonable notice before taking adverse credit actions. I am requesting that this delinquency be removed from my credit report immediately, as it was reported without proper notification and does not accurately reflect my ability or willingness to pay. 
Please investigate this matter and correct the inaccurate information as soon as possible. Under the FCRA, XXXX is required to complete the investigation within 30 days of receiving this dispute. I request a written confirmation of the results of your investigation and updated copy of my credit report once the incorrect information has been removed. 
Thank you for your prompt attention to this matter. 
Please feel free to contact me at XXXX or XXXX if you require any further information. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the allegedi debt, nor therefore any such debt, in fact therefore exist
Product: Consumer Loan

I purchased a vehicle from Wells Fargo in XXXX. My payments were 74 months which my car would had been paid off in XXXX. Wells Fargo state my last payment was received in XXXX. Wells Fargo states there was a balance of XXXX, but never received letter and this is now XXXX and I still have the car in my possession. Wells Fargo sold the account to XXXX XXXX, then to XXXX, and now XXXX claim they purchased the account in XXXX. I never received any mail and thought my car was paid off until XXXX someone hit my car and insurance still listed Wells Fargo as the lien holder. I called Wells Fargo and the lady was like you still owe XXXX and something, I ca n't remember the correct amount. I sent the check of XXXX from the insurance and XXXX in XXXX. Never received my title. I have a car that I do not need for some years and want to get rid of it. I called Wells Fargo for title and they said to call the people who the account was sold to. Called all the places listed in statement. Superlative wanted me to pay XXXX and I asked what happened to the money sent and told the guy XXXX, I have the receipts and need my title. Keep in mind this is not on my credit report never received mail from these people but yet they have my title. This vehicle is a XXXX in my possession and I told the guy if I still owed on this car why Wells Fargo never repossessed the car back in XXXX.I finally called XXXX back and told the guy I am seeking an attorney then he said yes a check was received in XXXX and I asked why it was not deducted from the amount owed. Keep in mind I am getting different amounts. The gentlemen at XXXX now want to investigate, but he hung up on me just as the other guy at XXXX did when I started asking about the money sent in XXXX. I am tired and just want my title because this is longer than 7 years and I need my title. They keep selling the account and no one is checking into nothing. Please help! I hope other people are not getting ripped off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Checking or savings account

TD Bank cashed checks drawn on my XXXX business ( XXXX  ) account. These checks were payable to businesses and TD Bank allowed an individual to endorse and cash these checks. All three checks were cashed and endorsed by the same individual on XX/XX/2022. 

On XX/XX/2022, we discovered the a check was fraudulently cashed and put in a fraud claim through our bank- XXXXXXXX XXXX. To date TD Bank, the bank that cashed the check, has failed to respond or refund the {$10000.00} to our account. 

On or about XX/XX/2022, we received a call notifying us that two additional checks that were mailed to businesses were never received by those businesses. We discovered those checks were cashed on XX/XX/2022 by the same individual that cashed the {$10000.00} check. Each of these two new checks were in the amounts of {$1800.00} and {$2000.00}. Our Bank has now placed fraud claims for each of these checks too. 

XXXX has indicated that TD Bank is not responding to them. 

This account is an Interest Only XXXX XXXX XXXX ( XXXX ). These are client funds that must be refunded forthwith! 

TD Bank erroneously cashed three checks for an individual even though each check was made payable to a commercial entity. They currently owe our XXXX account a total of {$13000.00}.
Product: Credit reporting or other personal consumer reports

On multiple instances i requested that XXXX XXXX, discover and XXXX XXXX XXXXXXXX provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.