23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a previous complaint about Barclays Bank because their records were in such bad shape that I could not get anyone to discuss my charged off account so that I could settle it. ( They thought it was with a collection agency, the collection agency said it was still with Barclays, this went on despite many many phone calls trying to find someone who would accept a payment ) My previous CFPB complaint prompted action from their president 's office to fix those issues so that I was able to enter into a settlement agreement. I paid the amount required by the settlement agreement by XXXX XXXX, 2015. I was told the credit reporting would update on XXXX XXXX to show that I no longer owed a balance to Barclays. 

However, on that date, they only took off the payments I made. They are still reporting that I owe them approximately {$3000.00} even though under the terms of the settlement agreement I owe them nothing and the balance should be XXXX. I attempted to call, and spoke with a regular customer service representative and then a supervisor, who XXXX said the balance would NOT be updated. 
Barclays is either refusing to abide by the terms of our settlement agreement, or its employees are simply not competent enough to update things correctly. This needs to be updated asap because I am in contract on a home purchase, and it can not go through while the lending bank thinks I owe money to Barclays.
Product: Checking or savings account

XXXX XXXX XXXX took {$1100.00}. Out of my account. I dont have root insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got the non deniab fact, and proof of it. XXXX XXXX who am complain about sent me the paperwork I needed. Turn out it was a bad check that they are trying to recover for. California has a statue of limitation of two years on checks, and bad checks do n't belong on my credit report. Thank heavens I did my own investigating on this matter.
Product: Credit reporting or other personal consumer reports

I am a XXXX citizen that has stepped foot on US soil in over 10 years. My identity was stolen and used to open the fraudulent bank accounts. I was this case to be investigated and all charges be removed immediately as I didn't open the account. 
I am happy to provide any information Wells Fargo may need to assist them in this investigation.
Product: Vehicle loan or lease

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. This vehicle was taken out with my information fradulently and unauthorized. I demand proof beyond a doubt that shows my social security and picture of which are all things required when purchasing an auto. Thank you for your assistance
Product: Checking or savings account

Chase has been aggressively negligent in linking the consumer 's external account via their online portal tools, Secure Message Center, and Chase XXXX XXXX ( XXXX ) line at XXXX ( reference phone call from my phone number ( XXXX ) XXXX at XXXX AM on XX/XX/XXXX  ). Not allowing consumers to link external accounts, or delay doing so, financially benefits Chase because consumers are forced to keep their money with the bank. 

XXXX the XXXX line, the agent was rude, unhelpful, belligerent, unprofessional, left the phone on silent, and ultimately disconnected the phone. Shameless and certainly XXXX of the worst banking customer service interactions I have had. 

Although the XXXX phone agent said that any money market ( savings ) accounts can be linked to Chase accounts, they were unable to provide a reason why, despite confirming correct account number and routing number details, the XXXX XXXX XXXX XXXX account could not be added to the account, using a blanket statement that this type of account might not be addable and refusing to provide any further clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I obtained a new phone ( upgrade from XXXX XXXX ( XXXX XXXX  ) to XXXX XXXX XXXX XXXX ( but same number and provider ), my XXXX XXXX XXXX stopped working and I received error code XXXX. I called their customer service and they told me they'd refer this to IT and I'd hear in 5-10 business days. That was about a month ago. They also told me to set up a my.equifax.com account. When I did that I received an error code XXXX. They asked me to let them set it up and I waited on the phone while they tried. They had the same issue.Since then I've called them on at least five additional occasions, getting reassured my problem was being escalated, etc. but have received NO contact back from them. Yesterday I was told I needed to verify my identity with a driver 's license and gov't issue ID. So, I took photos of them and faxed them a copy of them in a document but have received no confirmation of receipt. I called them to ask if they could confirm receipt but they say that can take up to ten business days!!!! There is no email address or text number for me to easilyl send pictures of required documents and there is no way for me to talk to " higher ups '' who might have authority to actually get something done. I'm XXXX XXXX XXXX and have my share of horror stories but I've never had to deal with a company as broken as Equifax. As an aside, I used to pay for an account on equifax.com but stopped after their egregious data breach and moved to the XXXX & XXXX product. One would assume that after violating the public 's trust with poor data security as evidenced in the data breach, they'd go out of their way to make it easy for customers to get responsive service from them. Dealing with them has been nightmarish.
Product: Debt collection

MCM is rude I clearly stated on XX/XX/year> i did not want to be recorded on the call and they continued to record. They reached out to my dad, on XX/XX/year> which i do not reside with and discussed that they were a collection agency and need to talk with me requarding balance owed. I have requested debt to be validated on XX/XX/year> I asked that all communication be in writing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I have lost a numerous amount of funds due to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with XXXX XXXX XXXX and Lj Ross. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Credit card

A purchase for over {$900.00} was made on a Best Buy store on XXXX XXXX, FL according to my account statement. According to the Best Buy representative, this purchase was made in person with a physical card. 
I was in XXXX from XX/XX/XXXX to the XXXX. The purchase was made on XX/XX/XXXX without my authorization. 

I found out about this Monday XX/XX/XXXX, when I got a phone call and an email regarding a late payment. Since I do not use this card, I was surprised and I checked the account. As my surprise I had a balance due for over {$900.00} dollars plus late fee and interest. I immediately contacted Best Buy 's number behind the card and did a police report today. What has me preoccupied is that my mailing address, where I was getting my mail from Best Buy was in a UPS store, where I have a mail box. All my addresses were changed to my apartment building but since I don't use Best Buy, I forgot to change that one. I have my suspicions on the store because if someone ordered a new card, then they took it from there. 

I have not received any info back and I am very worried about my credit score, I take really good care of it and this crime is freaking me out. 
Attached you will find photos of the bank statement ( it got wet I apologize ), prove of my passport and the stamps that show when did I fly to XXXX and came back to the US, and prove of the FAX that was sent to Best Buy of my passport evidence. Also, the claim number and the police report case number.
Product: Credit reporting or other personal consumer reports

Ive been trying for years to take care of an unlawful charge they have of mine. By their own admission theyve admitted that I was in the right and theyll have the debt cleared. Its been XXXX years and this debt is ruining my life. Any attempt Ive made to follow up on this situation has been ignored or flat out rejected. There are three of us involved with the debt, however Thomas Agency has made three separate accounts with the same total on each of them. ( So the three of us owed around XXXX together, but they set it up so each of us individually owe XXXX ). 
And I mean it when I say theyve ruined my life. Im currently facing homelessness and losing the best job Ive ever had.
Product: Debt collection

One XXXX I received one of many calls from a representative from Midland Credit Management Inc.. Doing the last call the representative threatened I will be sued because i'm unable to pay a debt ; this wasn't the first time a representative from this company attempted this illegal tactic.
Product: Credit reporting or other personal consumer reports

To whom it may concern Hello and I hope this find you well. This is a notice that a medical loan on my credit report needs to be removed because as of XX/XX/year> a law was passed that Medical debt could not longer be reported on a consumer report. The account is listed under the name of Unknown with XXXX and XXXX or XXXX with XXXX. It has been deleted with XXXX as per the XXXX XXXX ruling. 
The medical loan was necessary after a XXXX diagnosis and a personal forced debt bondage situation that will be addressed later. If you wish to receive medical records as proof, please contact me on my home phone XXXX 
Thank you kindly XXXX XXXX
Product: Money transfer, virtual currency, or money service

I can not transfer funds out of my Coinbase account in spite of spending 1-2 hours on chat lines and dealing with multiple representatives. They are now employing the " Plaid '' system. I've had problems with Plaid so I'm not suprised that this very flawed money transfer system is not performing as advertised. XXXX Coinbase says it can transfer the money into my XXXX brokerage account it does not link -- and my XXXX account says that it is set up to receive a money transfer from Coinbase. I transferred money into Coinbase using my checking account but their system won't allow money from my Coinbase account back into the very same checking account from which the Coinbase account was funded. I get nothing but boilerplate responses from Coinbase 's representatives but my money appears to be locked in Coinbase and I can not get it out and they are doing nothing to assist me in a useful way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, Ill try and make this short and sweet ... 
I have been diligently trying to get back money from my mortgage company for overages that I have paid the last 3 years. Bayview loan servicing has been collecting too much money for my escrow since XX/XX/2014, when they purchased my loan. I am a XXXX veteran who is tax exempt, I have the documentation from the county to prove this. EVERY TIME I call Bayview, I am pushed off to the next department with a different answer and a different resolution ; none of which has gotten me anywhere. I 'm XXXX. I do n't have the time, the resources or the patient for this treatment. I have asked a gal from my local credit union to help because Bayview has pushed me off time and time again, that its going to put me in the hospital. XXXX, my local banker has advised me to contact you to see if you can help. She has tried to fax, to upload, and to call when told to follow up the past 2 and a half weeks. She has had no luck. The last service representative she talked with, even hung up on her. She has been requesting an " escrow analysis '' of every transaction to date since they took over the account in XX/XX/2014. 
I want to know where my money has gone, why they have n't adjusted my payment to reflect the fact that I do not have to pay taxes. I want to know why this company pushes me off, I want to know why they wont help me. I just want the statement and I just want my money. Why as the " professionals '' will they not help? I pay my mortgage every month, on time. I have for the past 3 years while they have had my loan. I hope you can help me, I hope someone will hear my cry for help and make sure that this company does n't treat anyone else like this.
Product: Vehicle loan or lease

XX/XX/XXXX, I paid the loan off. Flagship credit failed to send my payoff letter and update all credit bureaus accurately. I was able to speak to a representative in XX/XX/XXXX and they confirmed all fees were satisfied and i should receive my payoff letter in 10 business days. I still have not received that letter. I have made several attempts to contact Flagship, however, their automated system does not recognize former customers and very challenging to get a live person. I spoke to a supervisor on XX/XX/XXXX and expressed the urgency of the matter as I would also like to purchase a home. I requested that this document be emailed to me as soon as possible, but I still have no resolve to this matter. This negligence is causing a real delay in me moving forward with obtaining a better credit standing and moving forward with life goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Debt collection

Capitol One is trying to collect XXXX which I did not authorize. I have told them 4 times if they prove that I bought what the say I will pay them. 
Capitol One has never responded to this but they have reported me to the Credit Agencies and have destroyed my credit. 
You have tried to help me but I think Capitol One is just laughing at you because they have not responded. I think it is time for you to apply more pressure on them to respond to this complaint.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiry I am writing to dispute an unauthorized credit inquiry on my credit report. I did not authorize these inquiries and it does not reflect any application for credit or service made by me. 
XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date 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 XXXXXX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and request its removal. 

I kindly request that you investigate this matter with the creditor and remove these unauthorized inquiry from my credit report. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I have been with Flagstar for over two years and I always pay my mortgage on time every month. I requested to waive the escrow account so that I can manage the tax and insurance payments myself, but I was told that they will charge a 0.25 % or {$150.00} ( whichever is higher ) escrow waiver fee even though I have been with them for more than 2 years.
Product: Debt collection

I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.
Product: Credit reporting or other personal consumer reports

I discovered multiple credit accounts placed on my credit through Experian ( XXXX an XXXX are not at issue ). I disputed all the fraudulent information ( including a name that is not mine ), and put not only a freeze on my credit, but a fraud alert on it so supposedly companies must call to get verification before issuing credit. Nearly all the disputes were taken off my credit but one. The name being used to obtain fraudulent credit has not been removed. As of today, two new credit accounts have been fraudulently opened using my information and are in collections. Experian clearly is not doing anything to correct this problem and my credit is suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter to Experian. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of Birth : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX AccoXXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.