23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I just called and spoke to a representative by the name of XXXX, ID # XXXX, and she confirmed that the document, which is my XXXX XXXX Bank statement, her department actually received it on XXXX XXXX, 2015. She did not understand how a supervisor or her other fellow employees that I 've spoke to over the past could not locate it. She was nice to clear all of the security issues. At that time, she informed me that her company, Barclay Bank were going to approve me for a {$2500.00} credit card. I explained to XXXX that I was originally approved for a {$4000.00} credit card. This is when she transferred me over to the credit card customer service department and I spoke to a rep by the name of XXXX. XXXX informed me that he could not issue me a credit card at this time because he felt like I had not enough credit when in actuality, I have over 6 years worth of credit showing on my credit report. 
It was just very frustrating to wait for almost 4 months for XXXX Bank 's security department to locate all of my personal information only to be transferred to this rep in the credit card department for him to tell me that I do n't qualify for any of their many credit cards. 
Why would the same credit card department originally approve me for a {$4000.00} credit card back in XXXX on to have told me on XXXX XXXX that I do n't qualify. 
I called the President 's office of Barclay Bank right now and tried to speak to XXXX, but he was on vacation and would n't be returning back to work not until Monday so the rep I was speaking to transferred me to the manager of the credit card department. 
XXXX, which is the manager in the credit department is re-reviewing my application again and she is claiming because I do n't have enough credit history. She informed me that her departments does not just look at the credit score, or the fact that I 've never been late on any of my student loans, or car note, or anything like that ; that was still not good enough for me to obtain a credit card through their company. 
I 've never heard of any bank state that they do n't go off of credit scores to determine eligibility for a credit card. 
I wanted to cancel my application on many occasions but I was told that I could not cancel because I was approved. I was told this by supervisors in the security department as well as reps in he security department. 
I really just do n't understand why I was sent through that long process only to be told that I did not get approved. 
This should have been told to me at the beginning. I would not have been wasting my time or theres!
Product: Debt collection

There's is an amount on my credit report stating that I owe XXXX about {$3800.00} from sometime in 2019. I've NEVER EVER had an XXXX  account. I DO NOT have any accounts that I owe in that amount. I don't know what part of the information to say is wrong or incorrect because it's all wrong or simply not me. 
I do not owe anyone this amount. 
I never had a XXXX account. 
I did not open an account around this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year more Experian credit score has varied from month to month without any changes in my credit activity. Recently it has been trending down, while the other two Agencies remain much higher and don't vary. There have been no changes in my credit activity, no inquieries, payments remain on time, and basically no explanation for the variations in score at Experian. Some months it's up and then for no reason goes down, and then goes upon again. I've not been happy with my Experian score and have worked hard to improve it. I have one missed payment in 2015 from XXXX 's due to a bill my wife misplaced for a payment of less than {$10.00}. It was paid the following month in full. I understand the mechanics of this and realize it can't be changed ; I'm not asking for this. I simply want to know why, out of the three Bureaus, Experian 's scoring system is so far off the other two Bureaus and why it varies when there has been NO change in my activity.
Product: Mortgage

My {$100000.00} cashiers check is " lost '' after LoanCare LLC received it via certified mail. One week has gone by and the company has asked for my receipts.

Prior to sending our principal payment, we called LoanCare LLC to understand the process for making large principal payments. Although we preferred electronic payment using their own website, we were asked to send the {$100000.00} cashiers check via mail. We verified the approached and the address with them prior to making this large principal payment. We sent a {$100000.00} cashiers check with the account number on the check via certified mail to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

We documented the process with pictures. After 1 week, they still have not credited the account even though the certified mail shows that they received and signed for the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX  XXXX cards are reporting to my Equifax. However, both are reporting to both XXXX   And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information from my file. The Items I deleted are listed in the report I am a big team of the identity theft, and I did not make the charge. I report the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, Affidavit. Please delete these items as soon possible. ''
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

I recently noticed a Capital one Auto Finance appearing on my credit files. I requested that Capital One validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter, however, they are continuing to report this misleading information on my credit file.
Product: Money transfer, virtual currency, or money service

This timeline is regarding Venmo XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX submits a {$450.00} security deposit via Venmo for a vacation rental made through booking.com XX/XX/XXXX XXXX XXXX checks out and upon immediate inspection there is a clogged and inoperable dishwasher and a broken bed. 
XX/XX/XXXX {$430.00} in expenses were incurred due to repairs to the dishwasher and bed and {$16.00} was returned to XXXX XXXX. On that same day, she filed a dispute with Venmo XXXX. The claim is never received the item. 
XX/XX/XXXX the Venmo application would not allow me to upload the photographic evidence along with the receipts so Venmo provides a link via email to do this. 
XXXX Venmo refunds her the {$450.00} WITHOUT ALLOWING me the opportunity to respond to this claim!! 
XXXX Appeal is filed due to 1 ) Venmo failing to allow me to respond to XXXX dispute and 2 ) Venmo app failure to allow me to upload the evidence. I am given until XXXX to provide this evidence. Venmo asks for photos of damage. 
XXXX A Copy of the reservation is provided to Venmo along with the written exchange in which XXXX confessing to the bed damage. Further, I also provide photographic evidence of a damaged and clogged dishwasher and broken bed slats. I also include a copy of the receipt of the appliance repair company. All of this evidence is irrefutable evidence of the damage caused by XXXX. 
XXXX Venmo confirms receipt of this evidence. 
XX/XX/XXXX After not hearing from Venmo on the evidence provided, I email to follow up. No response. I also called and am asked to email again. 
XXXX I called customer support and the email response asks me to call. I am then asked to email Venmo. 
XX/XX/XXXX I call and email Venmo due to the time that has lapse without a response. I am told that this matter will be escalated to account specialist team and to expect a response. 
XX/XX/XXXX One day after the multiple calls made, Venmo representative XXXX XXXX indicates that after careful investigation the appeal is denied. 
There was no careful investigation because there was no response from Venmo for months until I started to press for a response from Venmo. Secondly, the evidence of the photographs, the receipt, and the WRITTEN CONFESSION from XXXX herself that she damaged the bed should be enough evidence to prove without question that the damages were incurred and that as such I have a right to be reimbursed for these damages. The guest did receive the item, in this case a reservation with a security deposit.
Product: Credit reporting

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED STILL ARE REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER DISPUTE ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION FOR EACH INDIVIDUAL ACCOUNT AND NOTHOING ELSE WITHIN 15 DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( EXPERIAN HAS JUST GOT SUED BY THE CFPB FOR NOT DOING THIER JOB ) DELETE : ( XXXX XXXX ) ( XXXX  )
Product: Vehicle loan or lease

I had called the bank using the number posted on their site to payoff the loan on XX/XX/year> for the amount of {$17000.00}. 

The money in the amount of {$17000.00} was pulled out of my account on XX/XX/year> from my checking account. 

The amount that was paid is not showing up on their website and it has been nearly XXXX weeks and the bank already pulled another month 's worth of payment which is an overpayment. They can not process this until the payoff is processed, however the amount is still not shown on my account and when called they said they did not know what happened and is still " working on it ''. To this day I still have not received any confirmation emails/letters on this payment.
Product: Vehicle loan or lease

XXXX at LGM Finance has been making harassing phone calls, messages, and text regarding the required insurance that I have on my vehicle. All this communication happens at least 10 times a day. My insurance company is working on fixing the problem to prove that I have insurance, but this company is harassing me and telling me they will not stop calling me. I am not late on my payment and the alleged forced insurance is suppose to take place on the 12th. I have been harassed by them for the last week. This is highly unethical and troubling. Stop harassing me. I let the insurance company know what was going on and also advised you. You shouldn't call people like they are late on their payment and that is not the case. You shouldn't be allowed to call, text, email, and leave voicemails through out the day either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 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 reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX OF XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : FHA real estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX  Account Type - Detail : Educational Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}
Product: Prepaid card

I redeemed my money from XXXX to this Amex prepaid card. I've been trying to pay for XXXX or other purchases using this card but all are declined.
Product: Checking or savings account

I sent two endorsed checks for deposit into my Key Bank account. The checks were sent by USPS with signature required. The checks were for {$41000.00} and {$910.00}. Per the USPS, the envelope containing the checks was signed for in the XXXX Post Office by XXXX XXXX on XXXX XXXX 2017. Since that time I have been in contact with numerous Key Bank " customer service '' representatives. Each time I have to start over and recount my activities to date. Each time I am promised a representative will get back with me. After the first 3-4 calls, I have had no one call back to follow-up or provide status. The last contact I had was with the bank was XXXX when I was informed the package had been located/received in the XXXX office XXXX XXXX. I was further informed by the USPS Postal Inspector who was handling my inquiry, that they received word from the bank that the envelope with my checks was located in central processing/XXXX. This was the last information I have had and as stated previously, Key Bank has been less than responsive/helpful. Your assistance in helping me to get the checks located for certain and credited to my account is requested.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against a collection agency by the name of ( Reliant Capital solution ). 
This collection agency continues to perform Slander of Credit, by continuing to harass me, and by placing fraudulent false collection debt onto my credit files. 

In XXXX of XXXX, I had an attorney to write to this collection agency regarding this fraudulent debt that they continue to harass me about. 
( Copy of attorney letter attached ) In XXXX of XXXX, this collection agency was using the name of ( Reliant Recovery Solutions, LLC. ) And now on my credit files they are using the name of ( Reliant Capital Solution ), But that does not change the fact that I do not owe this debt, and they have not removed the fraudulent information off of my credit files. 

They continue to destroy my name, as well as my credit by placing a fraudulent collection amount of {$270.00} onto my credit files, lying and claiming that I owe XXXX XXXX   XXXX XXXX, and this is not true. 

I do not owe XXXX XXXX XXXX XXXX any outstanding debt, but this unscrupulous collection agency keeps ( RE-AGING ) fraudulent dates, and lies regarding this fraudulent collection amount, and placing this false fraudulent collection information onto my credit files. 

Its been years since Ive had anything to do with XXXX XXXX XXXX XXXX, I didnt spend much time enrolled in that corrupt, dysfunctional online school. 

They were in charge of all of my financial aid at the time, I did not leave that school owing them anything, if anything they stole from the Department of Education, because they didnt return all of the last funds that they withheld when I withdrew from their corrupt school. 

This deceitful, dishonest collection agency has again ( RE-AGED ), this false fraudulent collection account onto my credit files, showing a date of XXXX XX/XX/XXXX XXXX, with an update to the collection as of XXXX XX/XX/XXXX ). 

I need your assistance, I do not owe this fraudulent collection, and it should be against the law for this collection agency to continue to ruin my financial life over money that I do not owe. 

I want them to once and for all to clear my name of this fraudulent debt, I want hard copy proof on their letterhead that, that has been done, and I want this unscrupulous collection agency to stay out of my credit files. 
I want them to cease and desist from ever contacting me again regarding this fraudulent debt. 

I want the Consumer Financial Protection Bureau fully involved in this complaint until completion. Reliant Capital Solution can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.
Product: Credit reporting or other personal consumer reports

I want XXXX XXXX, Experian and XXXX to immediately delete and remove all fraud alerts and security freezes from my XXXX XXXX, Experian and XXXX credit report.
Product: Debt collection

I have disputed the following accounts several times now, at the time these accounts were opened while I was incarcerated, from XX/XX/XXXX to XX/XX/XXXX. There is a case with the XXXX Police Department, for identity theft and an individual that forged my signature. These accounts are being reported in my credit report, they are really interfering with my living situation in stable a stable home for my children. I have documentation that proves my statement ; therefore, these accounts need to be removed from my credit report immediately, or I will proceed to a lawsuit. 
XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this information on my three credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me
Product: Debt collection

XXXX XXXX XXXX sold a paid debt to NATIONAL CREDIT SYSTEM the information they continue to update is not accurate
Product: Credit reporting or other personal consumer reports

TransUnion is been reporting an inquiry by Miscellaneous and public record XXXX XXXX on XXXX. I have c no business with this company neither authorized them to run my credit.
Product: Checking or savings account

3 years ago my ex-wife and I went into a branch at Wells Fargo to remove her from my account and to get her a new account by herself. The banker we met with did not take my wife off my account and then somehow joined my wifes new account with my already existing account. On XX/XX/18 {$300.00} was taken out of my account because my ex-wifes account was over drawn. On XX/XX/18 {$50.00} was also taken out of my account. After finding this out we both went down to the bank to fix this and finally have her removed from my account and to have my money refunded to me. The bank took her off my account but refused to return the money that was taken from my account.