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

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

After reviewing my XXXX and Experian credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Product: Money transfer, virtual currency, or money service

Coinbase.com has locked me out of my account and will not respond. I was locked out when I attempted to open an account with XXXX, their sister-company, which shares login credentials. After attempting to enter my Coinbase account credentials, as instructed, I was locked out of both XXXX and Coinbase accounts. 

I 'm unsure how much of my money Coinbase is currently holding as I 've not been able to check my balance. 

I initiated the following trouble tickets, neither of which has gotten any sort of response from their support department. I also spent 2.5 hours on XX/XX/XXXX on their support number ( XXXX ) where I was told that the account was locked in error and that they would escalate the issue and that it would be resolved in approximately 5 days. ( They made the same statement in an email I received from them on XX/XX/XXXX.  See email text below ... ) Existing tickets : XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX After calling in, I got the following email response from Coinbase ( date : XX/XX/XXXX ) : >  Hello, and thanks for reaching out. 
> > Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

> Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

> You will receive a notification email if were able to restore your purchasing ability. 
> Please note that while these reviews are typically completed within 4-5 business days, it can sometimes take longer depending on our current case volume. 

> For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act Exeter, finance LL. Has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states, a consumer reporting agency, can not furnish my account without my written instructions 15 USC 1616 B : a creditor can not treat a payment on a credit card/open credit account under an open end consumer plan as a late purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Product: Mortgage

My ex-husband and I have a mortgage with Santander/Sovereign Bank. For the past 10 years or more, we have been receiving a statement that says we owe over {$5000.00} in mysterious " Financial Fees ''. These are in addition to the mortgage payment, late fee charges, tax fees, etc. For years my husband and I have been trying to get Santander to explain what the fees are for. After hundreds of calls and certified letters requesting explanations for these fees, we have never received a response. Each time we call, we are put on hold or transferred over and over again. Usually, we just get hung up on. My husband and I recently got divorced and I am trying to re-finance our home through another company. This morning, with the phone on speaker so my loan manager at the new bank could hear, I called Santander/Sovereign again. I was put on hold and transferred over 5 times. Finally, a woman named " XXXX '' was able to tell me that some of it was attorney fees dealing with our bankruptcy over ten years ago. The other {$4000.00}, she admitted she could n't explain. She then transferred me to a woman named " XXXX XXXX '' that is supposed to handle all questions dealing with bankruptcy fees. I have called this woman numerous times and I always get her message machine asking to leave a name, phone number and short message. I have left numerous messages asking her to call me back. I have not received a response from her. Our bankruptcy was paid off and finished over ten years ago, and never was there ever anything about bankruptcy fees from Sovereign/Santander in any of the documentation. Also, when talking to " XXXX '', I asked her when my payment was due each month and how long of a grace period until a late fee was charged. At first she told me ten days then she changed her mind and told me fifteen days. Then she backtracked and said ten days again. When I asked her to make sure so that I could send it early enough, she got mad and said it does n't matter when I send the payment, it 's when they accept it. I have been paying electronically each month on the XXXX of the month. She says that Santander has n't been receiving it until the XXXX or third of the next month. She 's claiming that it must take over 15 days for the electronic payment to go through! My bank that I pay from says that it only takes XXXX5 days. Yet Santander keeps charging me a {$30.00} late fee each month. I ca n't win with them. I think everything they are doing is dishonest and possibly illegal. I am on disability/social security with a fixed income. The woman, " XXXX '' told me that if I wanted answers to what the " mysterious fees '' were, I would probably need to " seek legal counsel ''. I do n't have the money to do that. They should be able to provide me with that information upon request. I should n't be responsible for paying for fees, that even they can not or will not explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX took my information from another company, my social security number, name, and address without my consent and without me signing an original contract with XXXX XXXX that is violation of 18 U.S. CODE CHAPTER 63 1344 Bank Fraud, 18 U.S. CODE CHAPTER 63 1342. 18 U.S. CODE CHAPTER 63 1346. 
I've send in multiple disputes to XXXX, Transunion, and XXXX. the only one that hasn't removed this item is Transunion. 
I've never signed anything with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I'm filing a complaint against Equifax for violating the Fair Credit Reporting Act. I have shown Equifax an enormous amount of evidence that my identity was stolen and used to open fraudulent accounts. These accounts are negatively reporting on my credit report and hurting my chances of maintaining myself. Equifax claims they verified information or that the account does in fact belong to me but fails to show me any kind of proof. I, on the other hand, have submitted Identity theft reports from my local police AND an identity theft report from the FTC. Along with information that verifies my identity and have even sent Equifax proof that these accounts do not belong to me. For example, I sent Equifax a contract from one of the accounts 'XXXX  XXXX XXXX that I obtained from a customer service rep. In that original contract, the address and phone number that was used is not my address or phone number. I don't understand how Equifax can claim this account is verified and claims it investigated when there are inconsistencies such as this. 
Equifax is breaking the law and should be reprimanded immediately. 
Credit Reporting Agencies are supposed to report correct and verified information so not only are they not doing their job, they're breaking the law. 
Please see that they are dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously reported this company to Transunion and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a brown person.
Product: Debt collection

I was XXXX XXXX by a XXXX XXXX and have medical bills of which I need to pay, unknowingly. 

In XXXX I was seen by XXXX XXXXXXXX XXXX XXXX with an agreement that they would be paid once trial was finished and a settlement was established. 
In XXXX they sold my debt to a debt collector and both of which reported me to the credit bureau breaking the agreement as trial did not end until the very end of XXXX. 

XXXX XXXX Sold my debt to CONTINENTAL CREDIT CONTROL CONTINENTAL CREDIT CONTROL Then applied interest over the years on a medical bill which has an agreement/ no indication of establishing interest on this debt. 

CONTINENTAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Reference XXXX Letter XXXX As of XX/XX/XXXX you owed : {$3500.00} Between XX/XX/XXXX and XX/XX/XXXX : You were charged this amount of interest : + {$1600.00} You were charged this amount of fees : + {$0.00} You paid or were credited this amount towards the debt : - {$0.00} Total amount of the debt now : {$5100.00}
Product: Credit card or prepaid card

I have had SEVERAL problems with Netspend. I close accounts. They never close them or refuse to send me a letter showing accounts were closed. I have had SEVERAL A HINDREDS of dollars in disputes. I have yet to get any credit returned. I am told so ething different every time I call. I am argued with lied to hung up on placed on hold for 3 hours sometimes. I am furious!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX, with whom I had a mortgage for many years, sold it to another mortgage company without my knowledge or awareness of, and that new monthly payment is over $ XXXX more than it was with b of a. also, when with b of a, I was told that the only way to do a loan XXXX was to miss payments, then get a new payment plan, which we did, only to have them sell the loan. I must have faxed and/or emailed b of a hundreds of pages during the loan mod process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 5 unknown accounts that appear on my Equifax credit report for the past 7 months and they have yet to remove them. I have called and spoke with agents that speak limited English who don't seem to care about my situation. In addition, I have sent in several disputes along with my fraud Affidavit Packet, Police Report, FTC Report and my Notarized Statement and to date no one can tell me why they have not deleted the accounts. Equifax is the ONLY credit Bureau that is reporting the fraudulent accounts and inquiries. 

XXXX Police Report # 's XXXX and XXXX FTC Complaint # XXXX Cfpb Case # XXXX Equifax Confirmation Numbers XXXX XXXX Fraudulent Accounts 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   Card XX/XX/2018 XXXX XXXX Card XX/XX/2018, XX/XX/XXXX
Product: Debt collection

I have recently reviewed my credit report and would like to inform you of the inaccurate reporting on my credit file. I am requesting, under the provision of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this matter be investigated. the NCA/Speedy was in the  amount of XXXX. this debt does not belong. to me. its not mine.
Product: Credit card or prepaid card

received online approval on XXXX.20 and email saying card approved. suntrust even called on phone to verify information. recd letter on XXXX.20 dated XXXX.20 saying that card is declined because they can not verify income or employment. they never called me even though they said they have. credit score is XXXX why is suntrust pulling this unprofessional XXXX. They need to call me at XXXX and explain the lack of professionalism in this matter. There are many banks to get cards with. Suntrust apparently has a lack of leadership in the credit crd dept and does not manage staff appropriately. Now I have a hard hit to my credit and Suntrust is coming up with XXXX. Way to go Suntrust, good job ... ... ... ... ... ..
Product: Credit reporting or other personal consumer reports

CREDIT INQUIRIES ON MY REPORT YOU DO NOT RECOGNIZE.
Product: Debt collection

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I discovered a few items on my credit report that do not belong to me. These accounts were unrecognizable and were not opened by me at any point and culd possibly be a result of the XXXX XXXX XXXX. Upon filing a police report, I also filed an Identity Theft Report with the FTC and followed the steps given by them which included disputing the fraudulent accounts with all data furnishers including Transunion, XXXX and XXXX. While some furnishers respected my rights per FCRA 603, 604, 605 & 623, Transunion did not. They removed the fraudulent accounts and then immediately put them back on my report, namely the account XXXX XXXX, without rhyme or reason or explanation. These items are affecting my livelihood and ability to live a productive life since credit is a factor with everything. These items need to be thoroughly investigated so that they can see that they are not of my doing. While being investigated these items need to be removed and blocked from affecting my credit report per FCRA Section 603, 604, 605 & 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

Im writing this letter in hopes you can intervene to get US Bank to properly review our loan for assistance options, and keep a family in their home. The issues began when due to health reasons I lost my job of ten years, at XXXX. 

My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to US Bank.
Product: Debt collection

I had XXXX phone company since XX/XX/XXXX and stopped paying their services in the year XX/XX/XXXX because of added charges and fees that werent included at the beginning of my family plan. I stopped services with them and they ended up charging over {$3000.00} in debt harming my credit, and its an amount that I cant afford to pay especially when I did not use those minutes or time with their services.
Product: Credit reporting or other personal consumer reports

Concord Servicing LLC is reporting monthly on my husband and I credit report. However when we ask for information, were being told that dont have any information to give and we dont have an account with them. The last rep I spoke with apologized for the inconvenience and told me they would stop reporting this on my husband and I credit report. This I have on a recording. When we ask for documentation, they immediately try to fast talk and give as another number to call