23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I recently applied for a mortgage thinking that my credit was OK to proceed, but a disputed issue with Bank XXXX XXXX popped up after I thought it was resolved back in XXXX. I was divorced in XXXX. My X previously forged my signature on XXXX docs & I got that cleared up, but he also forged my signature ( I guess ) & gave me a credit card which I thought was a joint acct with XXXX XXXX XXXX. That was in XXXX. I never had anything to do with him before that & Bank XXXX says I opened that acct in XXXX. That 's when he was divorced from his XXXX wife. Seems that I was mistaken for her previously. My issue is with a credit card I never opened/signed for or even wanted. The acct # they are claiming was mine is not the card # I have on record that my X gave me. He is a real crook, thank XXXX we are n't together anymore. He opened & closed several accts & was xfering $ back & forth. The divorce settlement is not closed because he still owes me over XXXX to this day. I might never see that money. He also filed for bankruptcy but the claim was denied. He wanted to get out of paying me. Anyway, XXXX says the said acct was charged off & worth over XXXX. The XXXX mtg lender denied me based solely on that information that I thought was closed in XXXX. I learned about it at XXXX back when I was trying to establish my own credit after the divorce. I was in touch with all XXXX credit agencies & they posted my letters of dispute & fraud. XXXX never said another word. I thought I proved my case so I lived my life till now. My question is how can they take it off my credit report & then put it back on? If it was charged off how can any lender use that against me? What do I have to do to restore my credit? Is this legal, what is happening to me, or do I have to get a Lawyer? I really want to be established here & have found the perfect home for me. I am very depressed that this is happening to me based solely on what my X has done to me. He even stole my car at XXXX pt, but the Judge made him return it or go to jail. My X is such a jerk I want him punished for what he 's done to me. What should I do? Please be so kind to give me some assistance. I 'm at the end of my rope now. Please do not delay to write back soon, I am desperate. Thank you very much for listening ( reading ). I have no way to attach any documents so if you need anything I have tons of paperwork, whatever you need just let me know & I will get it to you somehow. Thanks again : )
Product: Debt collection

saw I C SYSTEM INC on my credit report called I C SYSTEM INC and asked them to provide documents what is charge is all about, asked them to provide me with letter of disputed and include additional supported documents based on {$700.00} collection they put on me. Costumer rep was rude, did not want to provide anything. I assume they do not have anything to support the claim
Product: Credit card

Citicard has made countless errors with my account in the past year. They have double billed me, failed to get back to me when they promise to respond within 24 hours, they switched my account without asking me, they sent my cards in the wrong name and to the wrong addresses. They always have excuses but to this day, they have not corrected errors on my bill. I asked them to waive the {$85.00} annual fee, and they are very nasty about it, threatening me, instead of waiving it after all of the fines and fees they have cost me with their errors and incompetence. 
Please help.
Product: Credit reporting or other personal consumer reports

This account stemmed from an auto policy I had with XXXX. I am still a customer with XXXX for a homeowners insurance policy. I tried repeatedly reaching out to the insurance company to get this paid PRIOR to it being placed with a collections agency but none of the agents were able to assist me as they were only able to locate my homeowners insurance policy. I was not notified by the collections agency at all as I didnt receive anything from the collection in the mail. Ive disputed this account with the agency twice, the first time they said the account was not paid and updated it to reflect that the account was disputed by the consumer. The second time I disputed it I provided receipts. Now the collections agency is saying they will not remove it and will just show its been paid in full. I didnt even know who CCS was until I pulled my credit report. They never notified me before placing this on my credit report. I would like this thoroughly investigated. Its not fair for a {$140.00} debt to stay on my credit report for years when I have been trying to get this resolved before it even went to collections. Based on customer reviews of this CCS collection agency, this seems to be a common problem with their practice so Im filing a formal complain through CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft, I do not own nor have I ever a XXXX card or account
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX informing them that I did not take out this loan or that I didnt authorize it. This loan is still on my credit report and it is ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Overton , Russell , Doerr and Donovan , LLP. Has been refusing to send me any letters or statements that ALL my accounts are paid in full and closed. They sent me a statement for one of the charge off accounts but non of the others. There were 3 listed accounts with ORDD and I need a letter for all 3 accounts.
Product: Credit reporting or other personal consumer reports

Dear Experian Team, I am writing to formally dispute incorrect information on my credit report and request corrections. I have previously notified you of these errors, yet they remain unresolved as of XX/XX/XXXX. Below, I have provided details about the issues and outlined my specific requests for resolution. 

Timeline of Correspondence Initial Notification : On XX/XX/XXXX, I received a notification from Experian regarding recent changes to my credit report. 
Follow-Up Notification : On XX/XX/XXXX, I received another letter asking if I had hired a credit card company. My response to this inquiry is an unequivocal NO. 
I have attached copies of both letters for your reference. 

Additionally, I have already sent my drivers license and bank statement as proof of my identity and address. However, I continue to receive repeated requests for proof of address, despite having already provided this information. 

Please note that I am saving all correspondence and documents related to this matter as evidence of your negligence in resolving my dispute. These records will serve as evidence if this matter is not resolved promptly. 

Requested Corrections to My Credit Report Name : Please delete the incorrect name XXXX, XXXX, XXXX  from my credit report. 
Confirm and retain my only legal name : XXXX XXXX XXXX XXXX. 
Remove any other variations or incorrect entries of my name. 
Address : The only valid address that should appear on my credit report is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. 
Please delete all other addresses listed on my credit report. 
Employer Information : Remove the following employer information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I have no current or past association with these entities, and they should not be reflected on my report. 
Supporting Documents To assist you in resolving this matter, I have attached the following : Copies of the letters I received from Experian on XX/XX/XXXX and XX/XX/XXXX. 
Proof of my identity ( drivers license ). 
Proof of my address ( bank statement showing XXXX XXXX ). 
Next Steps I kindly request that you : Investigate these errors and remove the incorrect information from my credit report, including the deletion of the name XXXX, XXXXXXXX XXXX 
Provide me with a corrected copy of my credit report upon completion. 
Confirm receipt of this letter and clarify why additional proof of address is being requested after I have already provided it. 
Your repeated failure to address these inaccuracies is causing undue stress and negatively impacting my financial opportunities. I trust you will prioritize this matter in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if additional information is required. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

on XX/XX/2018 i sent a letter to XXXX XXXX requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream for many months now has not assisted me with my Identity theft, I did submit a complaint many months ago with the CFPB in which sagestream responded to call them and addressed me by the name " XXXX '' My name is not XXXX. Again they didn't read my complaint. I am victim of identity theft, and I am requesting SageStream Place a Security freeze on my file, along with providing me with the Pin for Said Freeze, and to dispute all the inquiries on my SageStream File, as I have not inquiried with any of these companies and the inquiries are a result of fraud, Identity theft. I am a victim of identity theft, and I have provided SageStream with my identity theft affidavit which they refuse to use or accept from the FTC. SageStream has not resolved the fraud, and honestly they do not call back. I have left several voicemails with my phone number, and name Slowly. They never answer the phone " always make you leave a voicemail '' They do not call back, and do not follow the FCRA Laws. SageStream is used by many lenders. They are allowing fraudulent applications on my file, and I do not accept that I am a victim of Identity theft and per fcra law 603 ( b ) I am requesting Sagestream following the proper FCRA Laws and place the security freeze on my file.
Product: Consumer Loan

I went to NFCU because I wanted to consolidate some major debt I had with some credit cards about a year ago, they gave me an super high Apr % which I have been struggling to maintain payments with. I reached out to my chain of command and was advised to reach out to them about using SCRA benefits which I qualify but they have denied me the opportunity to use that benefit. I reached out to all my other creditors with the same issue submitted my set of XXXX as requested and they were very helpful by placing me in the SCRA program which I have been able to manage payments. I hope something can be done to fix this issue.
Product: Debt collection

I received a letter from Phoenix Financial Services stating i owe {$1400.00} XXXXXXXX XXXX XXXX XXXX  to a company named XXXX XXXX XXXX XXXX. I have no business dealings with either of these companies and it seems suspicious and deceptive considering this company has several lawsuits that show the company is a repeat offender when it comes to consumer rights. This company and all subsidiaries Shall cease and desist all communication with me other then to provide me ALL tracking and FULL DISCLOSURES pertaining to the alleged debt BY Certified USPS MAIL. Please provide me the services that were rendered in relation to this alleged debt.
Product: Credit card or prepaid card

on XX/XX/XXXX call capital one credit card for the XXXX time to get a late fee charge that i was told was going to be removed on XX/XX/XXXX. The person that i spoke with on the XXXX said he was not going to remove it. that it was my fault and did not care that i was already told that it would be removed. kept saying it was my phones fault. i did get very mad at him. and he just kept telling me that he was not going to help me. when i asked for a supervisor he said he wouldn't. he just kept edging me on. now they have closed my account and said i still owe them money. No one ever called to get my side. i get my account closed from a company that says a customer does not come first. i was mistreated by their rep. and i am the wrong one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX account numbers : account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 B. A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Credit cards reported delinquent or open and bankruptcy is on the account
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 & 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 & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? 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 REPAIR all information which can not be verified. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Open late Date : XX/XX/XXXX ( XXXX ) -XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Money transfer, virtual currency, or money service

Crypto exchange Coinbase has my account under a review since XX/XX/XXXX and that means that all the crypto that I hadn't yet removed from my Coinbase account is frozen now. 

I haven't been able to reach a single human being and get an answer, even after contacting the support email for more than 10 times as well as failing complaint with the company. 

On top of freezing my crypto with no warning ( as promised in their terms of use ) the company is ignoring my demand to release my customer data. 

They also state that account reviews take a couple of days when I have been waiting for 88 days. 

I suspect that they are locking people out randomly to boost the money pool on the platform and that would be illegal as I never gave my consent for them to borrow my money. 

There is an ocean of complaints from other users across the internet who were also locked out of their accounts with no reason or notice. 
Please look in to this, Coinbase is dong something very, very sketchy. 

Sincerey, Never trust Coinbase with your money! 
I hope CPFB can hep me..
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Product: Debt collection

I am XXXX XXXX. I am the living person, I am XXXX. I am submitting this complaint. No 3rd party involved. No Authorization needed. THERE ARE A FEW ACCOUNTS OPEN WITHOUT MY KNOWLEDGE. MY PURSE was stolen or misplaced WHICH HAD ALL MY INFORMATION IN IT i was not able to locate it during the months i was sick fighting for my life During the time I was fighting XXXX I was I REPLACED ITEMS THAT WAS LOST IN MY WALLET I DID REPLACE MY ID AND SSN CARD. I ALWAYS USE MY XXXX XXXX FOR MAIL SINCE ITS MORE SECURE THEN THE APARTMENT MAILBOX NOW IM SEEING DIFFERENT ADDRESS THAT IM HAVE NO IDEA ABOUT ON MY CREDIT AND NOW I FOUND OUT THRU MAIL I HAVE CREDITORS ASKING FOR MONEY AN THREATENING ME AND FAMILY MEMBERS. I DID HAVE AN INCIDENT WITH MY CELL PHONE SIM CARD KEEP GETTING DEACTIVATED I HAD TO KEEP GOING TO THE STORE AND GET A NEW SIM CARD EVENTUALLY A NEW PHONE TOO BUT THE IS ALL I CAN THINK. MY IDENTITY WAS STOLEN AND I NEED TO FIX IT
Product: Debt collection

Phoenix financial serv. XXXX XXXX XXXX XXXX is claiming that on XX/XX/XXXX I have a Debt of XXXX dollars for medical services.. I did not have any medical services done to me.. they have charged me for some association doctors cost.. this is not right ... and this is unfair practice ... and this is not me .... the contact information they have provided is XXXX XXXX XXXX XXXX XXXX , IN XXXX.. phone Number XXXX XXXX XXXX XXXX.. thanks
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has filed a case on behave of Nationstar Mortgage for a debt not owed. I never had a contract with Nationstar Mortgage or XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX-XXXX  XXXX  XXXX  - closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Balance updated XX/XX/2019 Unknown payment history Account Info Hover over labels for more details Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, THD/CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizat ion Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

This Case should have never been closed out against Capitol One They provided no Evidence to back up their claim that they provided the information to that address or a copy of that letter that was sent. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.16. A bill does not quality as a notice of debit collection action. If you are trying to say a bill qualify then again Capital one is in Volition of the Law. The FDCPA clearly states a debt collector may not use any language or symbol on any  envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt This next part they made false and misleading statements overshadowing the validation requirements C.M.R. 18.18. o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16. 

3rd here is a release and another claim I will be submitting that Capital one claims that they can  find all of their debtors with out any issues and know where they are at, at all times XXXX XXXX   XXXX XXXX. Last but not least when I was no longer at well before XX/XX/2018. XXXX XXXX XXXX XXXX, ND XXXX. I had all mail forwarded for 2 years to this address XXXX XXXX XXXX XXXX XXXX Ut XXXX due to awaiting information from the VA. 

Please address the law violation that you have committed as a company this time and not a generic response to close a case