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

On XX/XX/2018 I submitted a debt validation letter to Wells Fargo for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and XXXX advised me to dispute this information directly with Wells Fargo, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and Wells Fargo has failed to provide any validation of debt as requested. I received a letter from Wells Fargo showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as XXXX. Wells Fargo is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
- XXXX XXXX XXXX XX/XX/year> Equifax - XXXX XXXX XX/XX/year> Equifax These inquiries were not autorizad and should not be in my report
Product: Mortgage

Every time I contact Seterus and attempt to make my mortgage payment, they will not allow me to make my payment. Each of their agents keep me on the phone for long periods of time asking the same questions over and over attempting to badger me into committing to payments and payment dates that I know I can not keep. My payment is only one month behind but since they will not allow me to make the payment, I am in danger of falling further behind and I am incurring additional late fees. The tactics used are forcing me to incur late fees and damaging information being added to my credit report. At this point, I feel the company is attempting to force me into foreclosure and using very heavy handed tactics. At the end of the conversation today on XX/XX/2018 at XXXX, the agent would not allow me to make my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOW XXXX  XX/XX/2021 I DO NOT RECOGNIZE THESE INQUIRES AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting or other personal consumer reports

I found out the creditor didn't give the required XXXX-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Product: Debt collection

Creditor is attaching a debt for  XXXX  University and I never attended  XXXX  University. I told him that this was not mine and that I am a victim of identity theft yet he continues to call and harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached for my dispute against the XXXX XXXX XXXX  XXXX XXXX. It lists several violations of consumer finance law and violations of the ADA. In short XXXX stopped generating paper AND paperless statements for my credit card and revolving student loan accounts in sometime between XX/XX/XXXX and XX/XX/XXXX. I logged in on or around XX/XX/XXXX to find the system showed XXXX accounts active or closed. Moreover, the system listed XXXX ( XXXX ) statements and indicated I was not eligible for electronic statements. TILA/Regulation Z requires XXXX send me periodic statements. They did not. Th normal rebuttal would be " you could have accessed your statements online. '' I could not because their system showed I had XXXX accounts. XXXX was notified within a sixty ( 60 ) day period when in XX/XX/XXXX I e-mailed and notified XXXX of the billing error. They acknowledged it was their error and that their system and automatically dis-enrolled me from paper an paperless statements. I filed disputes with the CRAs in XX/XX/XXXX because XXXX began reporting my accounts as delinquent despite not providing statements and XXXX ( XXXX ) records in the system showing I had ANY accounts. It was never fixed. I took screenshots in XX/XX/XXXX, XX/XX/XXXX. In XX/XX/XXXX the accounts were allegedly charged-off and XXXX locked me out of online access. I filed a complaint with my state regulator in XX/XX/XXXX and they sent a close-out letter today, XXXX XX/XX/XXXX stating that they could not investigate the truth of fact, and notified me that they could investigate no further because XXXX filed two ( 2 ) separate lawsuits in small claims court for the maximum amount. Moreover the stated the documentation provided by XXXX showed I allegedly violated the card agreement due to " several late and missed payments before and 'after ' COVID ''. That statement is curious because the pandemic still exists. If what the state regulator was referring to, the I should make clear, as I did in my statement to the regulator, I've had XXXX XXXX infections : XXXX in XXXX XXXX, XXXX in XX/XX/XXXX. Each of those periods was followed by afflictions of long-COVID that lasted for over XXXX ( XXXX ) year for which my daily activities were compromised because I had brain swelling with microbleeds. On those grounds alone, I am a XXXX individual under the XXXX. I also have XXXX and take XXXX and an XXXX. Supply chain disruptions have made it difficult to fill my medication during the pandemic. Sudden halts in the combination of medications can cause XXXX. Overall, it is clear XXXX has engaged in unfair, unlawful, and abusive practices. Given I'd filed complaints against XXXX within one-hundred twenty ( 120 ) days prior it would seem XXXX 's used, an continues to use the courts as a means of harassing me into paying. XXXX, the court has ordered mediation. This is supposed to be a reputable credit union. However, that is how they are treating current and former XXXX members that are XXXX. The full complaint/dispute is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX  Account status Closed Age of Account 2 years 3 months 22 days Late payments XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00}
Product: Credit reporting or other personal consumer reports

Discover Bank Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies.

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it.

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within XXXX  days, as required by the GLBA
Product: Credit reporting or other personal consumer reports

Under 15 USC XXXXi ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Student loan

The balance for the group XXXX XXXX is {$6400.00}. These loans were to be removed from my account due to the schools ( XXXX XXXX - XXXX ) closure as a result of the judgement from a class action lawsuit against this school. I have contacted Nelnet several times over the past 7 years to have this addressed. They have consistently claimed this is still pending being addressed, but can not advise on anything regarding this case. I am now required to make payments as of XXXX, and this balance is still on my loans. It is also listed on my credit and needs to be removed. Can anyone please assist me with getting this rectified? They refuse to state anything about the school linked to the loan in hopes I will be forced to pay for something that has already been rectified. Please help. This is preventing me from achieving a good loan to get a home for my children. I am begging at this point for help from anyone. I have even contacted Ambudsman who directed me back to Nelnet. No one is helping.
Product: Money transfer, virtual currency, or money service

HI, the exchange Coinbase are restricted my account, without no reason, I can't buy/sell or withdraw any digital asset into a digital secure wallet, I can do nothing even try to delete my linked methode payment, to create a another one but everything is stuck, I try to check Identity with passeport, ID CARD, driver license every is fine but my account still restricted, many case was open but Coinbase support no response. 
many people have a same issue you can see on XXXX. Please can you help me ans everyone ha the same issue with coinbase? 
thank you Mr XXXX
Product: Mortgage

Ive paid my payments on auto pay each month to Shellpoint But I get a notice that my account is past due by 3+ months yet my bank account shows debits fpr payments to the servicer. I log on to the servicer account and see a whole host of unapplied payments that look to be the cause of the issue. I also paid them to catch up an escrow payment and they did not apply that and continue to show escrow as still due. They are robbing me of my money despite payments made regularly, not applying it at all or delayed, and then sending me notice that Im late and implying extra fees to catch it up. Its extortion and theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Has Approved to subpress my Bankruptcy and the credit bureaus have yet to remove the bankruptcy from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help this is my 2nd time reaching out, I did an investigation on my credit report which caused me to develop XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXXt Account : XXXX XXXX XXXX XXXX, XXXX 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 written instructions Thank you very much for your time.
Product: Credit card or prepaid card

I ordered a appiance package on XX/XX/XXXX. Appliance connection wouldn't give me any honest shipping info so I canceled it on XX/XX/XXXX. They never put the canceled order amount back on the CC so now the CC company is saying I owe the full amount. I have all the paperwork to so it was canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with ongoing issues between you guys verifying my information and the credit bureaus posting inaccurate information on my credit file which has made my life very uncomfortable and has stop me from multiple opportunities. I am sending this follow up complaint after about 4 previous complaints to remove all inaccuracies and errors off of my credit report it is stated in your mission statement that you help consumers to be treated fairly between the business of the average joe and the big bad bureaus. I would suggest a fair resolution would be to look into the previous times Ive sent complaints, look into the details of my complaint and you will see where the rules arent being followed on the bureaus parts and the unfairness of it being at my expense. I would really ask that this be expedited just for the back and fourth and distress I have had to endure.
Product: Checking or savings account

My wife and I have been sending money to XXXX via my brother-in-law to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XXXX XXXX my brother-in-law in was contacted by his bank to confirm he was not defrauding my wife. My brother-in-law confirmed he was helping to handle the building project by organizing and paying the workers. In XXXX XXXX Bank of America reach out to my wife to update her profile to avoid account restrictions. My wife 's account was eventually restricted until she called and confirmed her employment and other personal information. My wife 's full account activities were then restored and we continued sending wire transfers to XXXX via her checking account. 
Then I received a letter dated XXXX XXXX XXXX from Bank of America stating the money market account I share with my wife which has been opened since XXXX will be will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had with hardly any activity. 
I agree that Bank of America has a right to close accounts but I do not agree with Bank of America closing accounts because of international transactions unless they can prove fraud, criminal activity or support for terrorism, this is discriminatory towards foreign nationals. How are foreign nationals suppose to make investments or support their family/community if they are excluded from the banking system?
Product: Credit reporting, credit repair services, or other personal consumer reports

Per last complaint, XXXX university agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow esci to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and esci have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.
Product: Vehicle loan or lease

This account was open fraudulently. This account is affecting my credit. Please have this account removed.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Vehicle loan or lease

My bank denied me a small loan to have my car repaired but yet they still are taking money out of my account and I have n't driven my car since  XXXX   XXXX   2017 ! They gave me the run around for 2 months I was promised help and did not receive it. I 've given them quotes and everything that they have asked for yet I 'm stuck with a car payment for a car that is not in my possession. And at this point my car is considered lost/ stolen because the tow company have seemed to " Misplace my car '' how do you misplace a  XXXX  I will never know
Product: Debt collection

XXXX Convergent Outsourcing, has made repeated calls to this phone number and have been told each time to never call this number but they ignore those requests. Called Convergent Outsourcing from number found from online search, they refused to state the nature of their business or why they are calling. 
Attempted XXXX times to use their format on their website to place our number on do not call but page always fails to complete process with error messages. 
Then called provided XXXX customer service number to report this problem and am refused service.
Product: Credit card

I had an XXXX card from XXXX. XXXX converted all their customers from XXXX to Barclays. Two weeks ago, I received an email from Barclays that my payment was approaching and asked me to schedule automatic payments, which I did. I scheduled auto pay to be paid the day before my billing period. When I went to check my account yesterday, it said my payment was part due and I was charged a fee. I called to find out what happened and they told me for autopay, the first payment does n't take place until after 30 days. they never informed me of this. In fact, in the auto pay confirmation email, there was no fine print and no information that stated that the payment would not go through until after 30 days. I have also had a similar problem with XXXX who canceled my autopay after 12 months without informing me then charged me a late fee, reduced my credit line and dinged my credit score. These credit card companies are finding loopholes to scam honest customers out of money by not informing them on their specifics behind auto pay.
Product: Checking or savings account

My Vehicle was stolen 2 yrs ago in. There was my debit card I called immediately to cancel card they did not over XXXX was taken from my card. I had XXXX left and it took almost a year to have them verify my account and let me back in. When I finally did they couldnt explain where my money was and kept telling me they would credit it back. After months of calling. They locked me out of my account and said I had the wrong email. It was programmed in my phone and they emailed me several times so I know better. .my funds were taken at almost XXXX on that day. So no one on customer services could explain and kept saying I closed account. I did not. But even if I did they have to send me a check or give me my money. I screen shot all interactions and they act as if I never had that account now. They have not only done this to me they have done this to several other clients I have heard of. I have requested statements and supervisors to call they were rude and have not still released my money. I worked for it belongs to me and the day I reported my card stolen funny that over XXXX was taken and my card wasnt cancel till almost a year later. .they have been ugly and now acting as if I didnt have any way to talk to them cause my account is not showing up after I have several calls earlier that day from them. 3 supervisors told me they would investigate but my money would be returned by the end of the week. Which was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Early Warning. Here is my tracking number:XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want to know who did they talk to How did they complete this investigation Consumer report number XXXX Account name XXXX XXXXl # XXXX ( contribution ref # XXXX ) Account name XXXX  XXXX  account # XXXX, XXXX