23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The  one company that finally responded to my client, Real Time Resolutions after  having the false loan since  XXXX   XXXX ,  XXXX ,, did so after it transferred the alleged loan to  XXXX   XXXX , that has had this false debt since  XXXX   XXXX ,  XXXX . I have learned that another debt collection company also had this false loan prior to  Real Time.  None of these companies contacted my client. My client had hired another service to help her and that company found the alleged debt and the collection companies on her credit report. My client tried to speak to the collection companies by phone, but was told that " the loan balance '' was owed by her.     In summary, my client entered into a land installment contract in  XXXX  ; was in the property for approxima tely 24 to 30 months ; was then locked out of the home and the land contract was terminated of record  and withdrawn. She was never deeded the property, therefore, she does not owe any money and, secondly, the property has been sold to another company for more money.
Product: Mortgage

A foreclosure notice, was mailed to me at XXXX XXXX XXXX, XXXX, Michigan ( MI ) XXXX, for XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado ( CO ) XXXX. 

My name, is on the deed, of XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado ( CO ) XXXX. 

Could you, please tell me, how much needs to be paid, for missed mortgage payments, so that this aforementioned property, could be saved from foreclosure? 

Could you, please mail me a mortgage bill each month? 

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

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX Acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XXXX ,2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
Product: Credit card

I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( XXXX, Barclays, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( XXXX, Barclays, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from XXXX which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.
Product: Money transfer, virtual currency, or money service

I have been a customer at Marcus Goldman Sachs for 2 years now. I have all my savings in there as well as scheduled deposits from my XXXX XXXX  into Marcus every 2 weeks. So does my husband, XXXX XXXX. In the past, I have had no problem transferring money from Marcus back into XXXX if I needed cash. Yesterday, I tried to transfer money from my Marcus account to my XXXX  account, as I need money for closing costs as I am buying my first house- it closes this Friday XXXXXX/XX/year>. They denied the transaction. I called Marcus this morning and even after providing them my social security, DOB, security question, phone, email and full name they still could not verify it was me. They normally verify by sending a code to your mobile, which they said they can not do. They also could not send a code to my husbands phone who is also a joint account owner. They could not give me a reason why my transaction was denied, nor why they cant send a code to my number. MY NUMBER WHICH I RECEIVE THE VERIFICATION CODE EACH TIME I NEED TO LOG IN!!!! So they are okay to send a code for me to access my bank account, but won't send a code to verify its me??? I asked to talk to a supervisor, they said to call back. They also said accounts investigation department will call within 3-7 business days -I DONT HAVE 3-7 BUSINESS DAYS. This is MY money in MY bank account, extremely concerning. They can't verify my drivers license as it's XXXX and its not part of their registered States, whatever that means. I desperately need my money and I have 0 access to do and 0 support from Marcus. I have also read online that so many people have been affected by this, and have ended up being locked out for up to a month. I need the money by Friday, I do NOT have time to wait. Others have also had to notarize a AFFIDAVIT of identify, just because Marcus won't send a txt to your number. I do not have time for this, it needs to be mailed to me and mailed back which is just pathetic in this day and age. I will most definitely be closing my account with them once I can transfer money out. I will be calling them back shortly and will let them know I filed a complaint with CFPB. Please please help me. I need access to my own money ASAP and I can not believe what is going on. This is wrong on so many levels.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

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

CLOSED XXXX.. Information is 7 years and 6 months old. Company still reporting collection after no validation and to after the 7 year mark
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Debt collection

In XXXX XXXX  all of a sudden, a company, Navient reported eight student loans ( 8 ) on my XXXX credit report that does not belong to me and totaling over {$40000.00}. I have never had an account with Navient. I have student loans, but never had loans with Navient, ever. I requested copies of documentation bearing my signature and my social security number. And Navient never validated this information belong to me. I recall in XXXX  these loans were ( 4 ) loans brought up in court case and was dropped. And was told by lawyer the information was insufficient. This would be " double jeopardy ''. I am requesting that this information be deleted from my credit file with XXXX. And collection attempts with Navient be stopped immediately. I dispute the accuracy, compliance and reportability of this information on my file.
Product: Debt collection

On my credit report today Caine and Webber posted a negative item they claim I owe. The name and social do not match. Further I settled with XXXX  in court over this issue before as well as XXXX  And both admitted this was not my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act XXXX  Account XXXX  XXXX bankruptcy Reference Number XXXX which was discharged XXXX days later therefore has violated my rights. 

15 U.S.C 1681 section 602 A. States 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.
Product: Debt collection

In XXXX of XXXX, Portfolio Recovery contacted by mail about a prepaid card that was old debt from XXXX. Next, the prepaid card put on my credit report by Portfolio Recovery although the debt was more than XXXX XXXX XXXX and more than {$350.00} of the debt was my money. I paid {$150.00} for XXXX XXXX and my credit report has been damage showing that I paid less although the debt was old and the credit card limit was only {$750.00}. My credit has been damaged. Now this debt will unduly stay on my credit report for years.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 morning, I initiated to sell XXXX XXXX. I received email notification on XX/XX/2021 XXXX EST that the sell process for XXXX XXXX has started at the rate of {$47000.00} / XXXX. Coinbase fee is supposed to be XXXX and I get XXXX. Per their website, selling to a XXXX destination is supposed to be instant. However it was not the case. Around that time when there was a bitcoin price surge, the Coinbase website was having issues. A lot of people are unable to do transactions and some are seeing their accounts go to XXXX. I was one of those whose balance is showing XXXX. 
When the outage was supposed to be fixed, I still have XXXX balance remaining however I see on the recent transaction history that on XX/XX/2021 XXXX XXXX  EST, I completed a transfer of XXXX XXXX at a price of {$47000.00}. Per the transaction history, it was sent to XXXX with note indicating " XXXX '' and total transaction was supposed to be {$7100.00}. As it was supposed to be instant according to their document I checked my XXXX account but there was nothing. 
I checked my email and there was a cancellation email with time indicating it was delivered at XXXX XXXX  EST. that said : " On XX/XX/2021, you attempted to sell XXXX XXXX for {$7000.00} on Coinbase. However, this transaction was canceled. 
There are a variety of reasons why a transaction might be canceled. Please feel free to try again. '' However I am unable to try again because my balance is showing XXXX. 
I sent email to support and got an automated response for ticket XXXX. 
I sent direct message to coinbasesupport at XXXX but got no response. I sent message to @ coinbasesupport at XXXX but it was not even read. I've checked whole day and account is still XXXX and no response from support. I followed up the next day and got another automated acknowledgement email for ticket XXXX and still no response and still have XXXX balance. Fast forward 2 days later today and I still did not get a response and I am out of my bitcoin balance and still no money in paypal.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Incorrect Credit Reporting and Failure to Validate Debt Complainant : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Complaint Against : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue Details : I am filing this complaint against XXXX XXXX XXXX for the following violations of consumer protection laws related to the handling of an alleged debt of {$1100.00}, which they claim was purchased from XXXX XXXX XXXX 

1. False Reporting of Debt : XXXX XXXX XXXX has inaccurately reported to the credit bureaus that they are the original creditor for the alleged debt. This is factually incorrect, as they informed me that they purchased the debt from XXXX XXXX XXXX XXXX Reporting this incorrect information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that companies report only accurate information to the credit bureaus.

2. Failure to Validate the Debt : I requested XXXX XXXX XXXX provide written proof of the debt, including validation documents as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, they have failed to provide any validation of the debt, including the original contract or any legal documentation proving I owe this amount. The FDCPA requires debt collectors to validate the debt upon request, and their failure to do so is a direct violation of federal law. 

3. Continued Reporting to Credit Bureaus : Despite their failure to provide validation, XXXX XXXX XXXX continues to report this debt to the credit reporting agencies ( XXXX, Equifax, and XXXX ), which is a violation of the FDCPA. Under the law, they are required to cease all collection and reporting activity until the debt has been properly validated. 

Impact on Me : Due to XXXX XXXX XXXX 's incorrect reporting and failure to provide proof of the debt, my credit score has been negatively impacted, and I am now facing unwarranted financial harm. I have been unable to resolve this matter through direct communication with the company, as they have repeatedly failed to provide any documentation or rectify their false reporting. 

Desired Resolution : I am requesting that the CFPB take action to : Investigate XXXXXXXX XXXX XXXX  practices concerning this alleged debt. 
Instruct XXXX XXXX XXXX to cease reporting this inaccurate debt to the credit bureaus immediately. 
Require XXXX XXXX XXXX to provide delete all references to this account from my credit report. 
Impose any other corrective actions deemed necessary to ensure compliance with the FDCPA and FCRA. 

Attachments : I am attaching relevant documentation, including correspondence with XXXX XXXX XXXX, and credit report excerpts showing their false reporting. 

Thank you for your attention to this serious matter. I trust the CFPB will take appropriate action to address these violations and help resolve this issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX They put a collection item on my credit report and it is not my item!
Product: Debt collection

I have a account on my credit report that needs to be takin off my report that I did not AUTHORIZE. 
XXXX XXXX, XXXX XXXX XX/XX/year> also I saw that it was a XXXX LOAN ON MY CREDIT THAT I DID NOT AUTHORISE PLEASE DELETE ACCOUNTS OFF..
Product: Checking or savings account

SEE FILES ATTACHED FOR IDENTIFICATION VERIFICATION AND FTC REPORT. 
THIS IS NOT A THIRD PARTY. 
I AM REPRESENTING MYSELF. 

Claim ID : XXXX. 

I received two fraudulent transactions on XX/XX/XXXX in the amount of {$24.00} each from a merchant named " XXXX ''. What's extremely odd is I called Chime immediately after this happened and I was told over the phone that my debit card had been breached. I asked if the rep was sure because I had never even used my debit card as it was brand new, and I no longer use my bank account with Chime. He said he was sure and then proceeded to order me a new debit card. He also never created a dispute for the two transactions from XXXX like he said he would. 

So, on XX/XX/XXXX, I created a dispute. I received an email from Chime on the same day, stating " Based on our investigation, we have concluded no error occurred. No funds will be credited to your account. You may request a copy of the documents we used in determining the final outcome of the investigation. '' I gave Chime a phone call immediately after reading this email. How could they have come to the conclusion that no error occurred when the rep literally told me over the phone that my debit card had been breached? All of their phone calls are recorded by the way. Chime also told me when I created a dispute with XXXX in the past, that this merchant would be BLOCKED from charging my bank account ... XXXX obviously that was a lie because I had to create a second dispute due to being charged by XXXX XXXX 

I requested a copy of the documents from Chime that they used in determining the final outcome of the investigation on XX/XX/XXXX... I received an email today on the XXXX XXXX  XXXX stating this. " XXXX, dispute representative. 
EJ, supervisor. ticket # XXXX XXXX XXXX # XXXX I called Chime on XX/XX/XXXX to request the documents used in the investigation. I also got the case re-investigated. Literally less than 6 minutes after I got off the phone with a rep, I received an email from Chime stating that they have concluded that no error has occurred after their investigation. HOW IS THAT EVEN POSSIBLE? IN UNDER SIX MINUTES?????? I EVEN PROVIDED THEM AN IDENTITY THEFT REPORT! 

I just spoke with the following XXXX people today after receiving an email from Chime stating that they had attached the documents I requested. 

XXXX, Dispute representative. 
EJ, Dispute supervisor. Ticket # XXXX XXXX XXXX representative Ticket # XXXX The reason I spoke to these XXXX people is because Chime did NOT attach any documents in the email even though they stated that they did. I have attached a PDF file of the email sent to me from Chime on XX/XX/XXXX. So now they're blatantly lying on PAPER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and notice a charged off account from ( XXXX XXXX XXXX XXXX for XXXX ) according to the FCRA 15 U.S. Code 1681 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have a right to privacy and have not given you permissible purpose to report. Also 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; this was a transaction that shouldn't have been reported again i never give any written permission to report 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. with this information you have violated my right as a consumer and i want this account deleted off my account.
Product: Prepaid card

I have files multiple disputes with CURRENT BANK and I stated to them my identity was stolen due to my car being broken into last year and this year I had my information stolen recently while my car was being repaired at a shop. I provided police reports and other evidence to back up my dispute the dates are from XX/XX/2023 to XX/XX/2023 Ive got a letter recently from social security administration stating my account was breached, Ive also provided this information to the company I also provided a letter from the Federal Trade Commission showing a identity theft report. I havent gotten none of my money refunded and I was told no error found during their investigation. All the evidence I provided to the company is valid and it was not Honor please help me.
Product: Vehicle loan or lease

I had an excellent payment history with Santander before the engine locked. All maintenance was up to date but the engine locked anyway. I called Santander to find out what they could do to assist me because I could not continue to make the payments and purchase an engine as well. Because Santander would not work with me, I ask them to come and pick up the truck. They did pick up the truck at my request and sold it at auction however the show the full amount of the balance owed.      Santander could have worked with me. I was never late and all I asked was that I have some relief until I got an engine in and they would not work with me. They do n't even show it as a voluntary repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its late payment of self account being reported thats inaccurate I sent the a letter in and it hasnt been re moved its also been over 60 + days
Product: Credit card

Capital One has charged me again for an annual membership fee. I got a letter from XXXX XXXX who advised me I would not have this fee on my credit card. I had to cancel my card for I did not recognize a charge on my account - the credit card company took this opportunity to charge me for the annual since I had to get the new card. I am highly upset about this. They also charge me for a late payment fee when I paid the bill. The payment has not go through since I had to cancel the card. I was out of the country taking care my sick relative. It is so sad to have to come back to bogus charges. I already have too much going on. The company also rebilled me for a charged that was disputed for {$13.00}. The company claimed I received credit from the vendor but I had XXXX charges from XXXX for the same amount - I never received credit for the second. I am so upset with the credit card company.