23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been calling my loan company Global Lending Services Daily since XXXX XXXX. I have explained to them that since XXXX the payments have be on a reoccurring bases through their website payment poral. For some reason they stopped taking it out and I have tried several times to make a one time payment with no luck it keeps canceling. ON Friday  XXXX I sent a {$650.00} cashier check to the overnight address they advice me to send it to. AS of today it has not posted. I checked with my bank this morning and they advised me it tells them the account number I gave them does not exist and its the one that is on my statement from XXXX. I then called back to your customer service agent and asked to talk to a Supervisor and was told she could help me. I explained what my bank informed me and she said no worries the payment posted and everything is up to date. It was for {$650.00} posted to my account today,, And my ban must be mistaken because its posted to my loan account. My bank just called me and stated XXXX  told them the account number referenced on the cashier check is not valid and that the account number was not found that was placed on my cashier check. The account number I have is XXXX that was used on the cashier check. I pay my bills onetime and DO NOT want this to hurt my credit. The bank told me only other thing we can do is open me another account for just this payment and I wanted to know if you thought this would help. I also wanted to get my payment date switched to between the XXXX or XXXX of each month but they just put me on hold and never come back. PLEASE HELP ME I DONT WANT MY CREDIT TO GO BAD, or LOOSE MY CAR
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit card or prepaid card

I was on the XXXX XXXX site about to purchase tickets and an ad came up to apply for the Barclays XXXX XXXX credit card. The ad offered XXXX miles and a $ XXXX statement credit. I clicked on the link and applied for the card. I called customer service at Barclays the following day and paid extra for the card to be overnighted as I wanted to purchase the tickets with my new card and ensure I met the spending requirement to get the XXXX miles and got credit for the miles. I confirmed with the representative on the phone that I would get the $ XXXX miles and the {$300.00} statement credit once I completed sufficient usage of my card. I have purchased flights for my family to fly to the island ( just over {$4500.00} ) and just received the XXXX miles on XX/XX/23, BUT was told that I do not qualify for the $ XXXX statement credit. When I called Barclays customer service this last time they said they didn't see anything about the {$300.00} statement credit offer. I was bait and switched.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Recovery purchased my account from florida hospital back in 2022 which as already removed from my credit report to be placed again on experian and XXXX as well which is illegal.This agency could not properly verify my information.Never had i had a contract or arrangement with this agency the hospital failed to file m claim through carefirst blue cross properly and missed the extension to file again was contacted by insurance and was told on a recorded line that they would properly remove this and they are at fault. therefore wrote off the bill as a right off and sold it to recoup the money.
Product: Credit reporting

XXXX University XXXX XXXX has false reported to Equifax a {$0.00} charge off balance on my credit report when confirmed by a previous cfpb case that their entity was deleted XXXX XXXX, 2015 and now are illegally allegending claim once the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.
Product: Credit card

My account is being completely mis-managed. I paid my monthly statement but was told they haven't received a payment since XXXX! I've never missed a payment, nor have I been late. Citibank has misappropriated my funds to some unknown account and is refusing to correct their error that they have made. Moreover, my credit limit was {$2500.00} now it's {$2000.00} for some unknown reason. No representative could tell me how this happened or where my money went.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$2100.00}, XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1700.00} XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$1.00XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$430.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payment : everwise credit union.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with XXXX XXXX XXXX. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

On XX/XX/XXXX, I submitted all the required documents to XXXX XXXX XXXX XXXX XXXX. to request a loan modification. I constantly reached out to them on a regular basis to request an update, and was informed each time to contact them about a week later. Finally, during the end of XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX XXXX. was not listed in the first position and that my second lender, CBC Motgage was listed as being listed in the first position. According to CBC 's representative, they are listed on the record in the second position. I provided XXXX with a copy of the Certificate of Satisfaction on XX/XX/XXXX and the documentation was sent directly to XXXX XXXX, whom I late learned was a supervisor in the Loan Modification division. After calling to follow-up, I was informed two weeks later that XXXX XXXX has yet to process or upload any documentation and there wasn't anything in the system to reflect that they had received the document. I also followed up on approximately XX/XX/XXXX or XXXX to request an update, and I'm no longer closer to finalizing this process. On XX/XX/XXXX, XXXX XXXX sent an email to XXXX to notify XXXX that they are listed in 2nd position. They also requested documentation verifying this information. I followed up again on the same day, to ensure they received XXXX XXXX email and was told that they needed documentation from CBC. I stated to the representative that I could connect the CBC Mortgage representative and was told to have them reach out to XXXX XXXX, to have them send the documentation. I have checked the XXXX XXXX Deed of Records and am unable to find a document that shows CBC Mortgage in first position. Can you please assist me with resolving this matter? It is hinder me from filing a loan modification under XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX Balance Owed : {$70.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit card or prepaid card

I have a business credit credit for over 7 years with BARCLAY, on XX/XX/2021 Barclay decided to migrate the business account and combine it with my personal account! Since then I have NOT been able to access my business account! Every month I have been calling and they can not located my business account anywhere,, but they call me every month to get a payment but can access it???/ ONE REP TOLD ME IN XXXX MY XXXX XXXX DID NOT MATCH AND SHE WAS GOING TO ESCALATE, I'M STILL WAITING.
Product: Mortgage

My original loan was sold in 2020 to Lakeview loan servicing XXXX XXXX and the amount of the original loan has changed. I have called to ask why the amount has changed and the previous mortgage company wants to know why as well because it should be lower. XXXX XXXX will only tell me it's a piggy back loan but refuses to furnish any documents pertaining to the additional amounts owed as a second mortgage and hangs up on me or leaves me on hold then hangs up. I would like a detailed explanation of the loan and why has a second mortgage been taken on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation. Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request. It has been well over 15 days which means that you are in violation of the FCRA. To avoid further action, please forward to me a description of the procedure taken in order to determine the accuracy of these accounts, including but limited to, the name of the creditor, along with their address and phone number. Also, I want to know who you spoke with and on what date. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account XXXX XXXX XXXX is incorrect and the late payment in XX/XX/ should be deleted because I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online and based on my findings there was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account XXXX XXXX XXXX XXXX, Account # 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 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: Credit card or prepaid card

In XX/XX/XXXX, I noticed some charges on my account from XXXX XXXX that I knew nothing about. I immediately called Chase and reported the fraud. They refunded the money and sent me a new credit card. In XXXX, I noticed that these charges reappeared on my statement. I called Chase many times and was promised return call and never received any calls. In XX/XX/XXXX, I received a letter stating that Chase was going side with XXXX XXXX and that I would be responsible for paying for these charges that I know nothing about. I called Chase and closed the account because I refuse to do business with a company that will not stand behind me. Two days after I closed the account, I received a call from Chase that informed me to disregard that letter. He told me that the charges would be gone within 48 hours. The charges were still not taken off. I have spent countless hours discussing this with Chase and was informed that XXXX XXXX   supplied tracking numbers. I checked the tracking numbers and they were invalid. Yet, Chase still will not take these charges off my account.
Product: Money transfer, virtual currency, or money service

At some point in the past I had an online account with Venmo ( https : //venmo.com/ ) which is a service of PayPal, Inc. , allowing its users to transfer money between themselves. 

On XX/XX/XXXX I received a email from Venmo advising me that : " THE STATE OF CALIFORNIA REQUIRES US TO NOTIFY YOU THAT YOUR UNCLAIMED PROPERTY MAY BE TRANSFERRED TO THE STATE IF YOU DO NOT CONTACT US. '' When I attempted to log into my account the same day I was denied access, despite having the correct username, recovery email address, and password. 
Repeated attempts to correct the situation with Venmo customer support have failed. 

Currently, Venmo is refusing to give me access to my account, nor will they propose a solution which would allow me to recover the funds in the account and close it. 
While Venmo has a responsibility to require its users to authenticate themselves, they have made it impossible in my case. 

Below is a summary of my correspondence with Venmo customer service. 

1. I opened and used an account with Venmo using my US phone number XXXX. 
2. At some point, Venmo changed their authentication procedure, implementing a 2-factor system which requires a US phone number. 
3. In XXXX I moved to XXXX, where I have resided for the last three years. I no longer have a US phone number. Additionally, the credit/debit card numbers I provided did not correspond to what they had on file. 
4. Venmo 's secondary authentication solution requires sending them a photo of the user 's valid state-issued identification. However, my California driver 's license has expired, so they will not accept it. ( Also, Venmo has a truly atrocious online reputation as far as security goes, so sending them a photo of my ID seems like running a significant risk of identity theft. ) 5. In their last message Venmo are offering to return the money in my account to the individuals who sent it to me. That is not a satisfactory solution, since I have no idea who those individuals are, nor how much money is in the account. It would amount to theft.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address any other address is incorrect and not deliverable by the XXXX XXXX XXXX XXXX. I have attached proof of this to this compl.