23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received call from this number XXXX times, on XXXX different days. 
I answered on the XXXX call, which was in the evening, it was an automated voice recording. The automated voice had me press XXXX to talk to representative. Another voicemail recording stated that the company was RG Financial? When the company (? ) called the XXXX time, during the day, I answered, the same automated voice recording was heard. This time after choosing the option to talk to a representative, I was put in contact with a person who simply answered the phone by saying " Hello ''. I asked who the person was and what was the purpose of the calls. I was told that this was a collection on a ( 1 ) payday loan from 2009, ( 2 ) that was deposited to an old bank account I had, and ( 3 ) was tied to an old address back in 2009. She mentioned that the company has everything they need to pursue legal actions, and asked how I wanted to handle the situation.I asked that she provide me with a written copy detailing this " debt ''. After I repeatedly refused her attempts to get me to change my mind and offer payment immediately, she said she would have something sent out to me in 30 days and hung up. If she has my old address on file, how will she have something mailed to me? Also, the company has my current mobile number, but not my current mailing address? I have no knowledge of this loan, and as a precaution, I have pulled my credit report and search for any delinquent accounts. I also check older credit report copies I 've saved that were acquired after 2009, and nothing shows delinquent from a payday loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXXXXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

While removing all 3 credit records I have noticed countless errors in hard inquiries that I do not recognize. I have 3 Hard inquiries on Transunion, 7 on XXXX and possibly 4 on XXXX. The only accurate hard inquiry that should be on my report is from XX/XX/XXXX of XXXX This was my only authorized inquiry. Also none of the Hard inquiries match from all 3 reports. FCRA states that this information has to be 100 % accurate and it is several discrepancies within these inquiries that are being reported. Also the hard inquiry from XXXX XXXX is no longer my account and needs to be removed immediately since that account was removed from my report altogether.
Product: Credit reporting

I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can.
Product: Money transfer, virtual currency, or money service

I have an account with Binance.US and had put {$1000.00} into XXXX. A few weeks ago I sold my XXXX and made an attempt to withdraw the money a put it into my banking account I was told it would take 3-7 business days it has been well over that time frame and Ive made every attempt to contact them that they have provided but I have not received any form of notification or any response to my concerns. The transaction history for my withdrawal has also out right disappeared as well I still have my transaction history from when I sold my XXXX though.
Product: Credit reporting or other personal consumer reports

The wrong address is reporting on all of my credit bureau. 
XXXX XXXX XXXX XXXX, GA XXXX The wrong name is reporting on all my Transunion and XXXX credit bureau. 
XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account Number : XXXX XXXX/ XXXX XXXX Account Number XXXX XXXX XXXX/ Experian/ XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX/ Experian/ XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Experian XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX/ Experian/ XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Account XXXX : XXXX XXXX/ ExperianXXXX XXXX
Product: Credit reporting

I have been dealing with Experian on numerous false items on my credit report and they are refusing to complete the investigation according to the information I have given them. Each time I give them the information they ask for, I get a form letter saying " Frivolous dispute '' we will not complete, which is false. I have numerous items from XXXX on my report that are XXXX reporting as late accounts, which is false, and as public judgement s, which is also false. I contacted the Court and they told me these records are not being validated properly yet each time I get a letter from Experian, they say the investigation has resulted in the items being mine. Case in point is the name of the co-signer listed on these records. The person does not exist and the social security number does not match the name of the person listed, therefore making these records ALL false and they all should be deleted. Yet, each time I bring this to the attention of Experian, I get a form letter saying they are under NO obligation to investigate because they already did an investigation. This is complete nonsense, as they are clearly using a computer driven data drive to match only my name and information listed with a record of another person and they never investigate the co-signer information, as I told them it would clearly show these are false.
Product: Student loan

I went to XXXX XXXX in XXXX. I received a loan from sallie mae and now it's Navient. I was in XXXX XXXX for 7 years XXXX to XXXX. I seen several informational articles that being i was in XXXX   XXXX, I should have qualified for a public service forgiveness repayment program. Sallie Mae and Navient both denied me and told me I did not qualify because i was a XXXX  XXXX. I was still considered as XXXX XXXX. I also have seen a school closure article that I as never told about either. When i asked navient about the school closure loan dismissal they did not give me direction on how to apply. My personal bank is the one that helped me with this information. Now that I am not in XXXX XXXX  anymore, I do not qualify for that program. I feel I was misled and missed out on an opportunity to help me with my loans.
Product: Mortgage

I would like a late tax fee reimbursement. My school tax was not paid nor was I notified of the needed payment and it is now delinquent. And I have been assessed an approximate {$150.00} fee. This is one of the main reasons why I left Nationstar/Mr. Cooper. a lack of consistent quality customer service. 

I would like to be reimbursed this fee since I was not notified of an original statement being sent to you all. And it was not forwarded to me or at least communicated to me. It seems you all didn't even notify the tax company to send the bill to me as well or instead. The first time I heard the bill needs to be paid is the delinquent letter I have now received saying it is late. 

The below email also said that my next tax payment would be paid in XXXX in 2020. If not, I should have been notified as I mentioned earlier.
Product: Credit card

All XXXX Credit Card Bureaus DO NOT SEE XXXX XXXXXXXX XXXX on any of my reports. FILING DISPUTE.
Product: Debt collection

The original credit card accepted, then reversed payment without refunding the payment and offered no explanation and closed my account.

They then sold off my account for collections to multiple collectors while still attempting to collect on their own I have had this collection removed several times and then they just refile it again
Product: Credit reporting or other personal consumer reports

I am trying to dispute this because I have already contacted the collection agency numerous times. Each time they send me a letter saying that it has been verified but do not send any proof. I need to have this removed because of these laws : 15 U.S. Code 1681c-2a 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer, NO CONSENT IS IDENTITY TEFT. As a consumer, I am demanding the deletion of the account listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I had XXXX XXXX XXXX bank fax a request to Navy FCU to electronically transfer {$45000.00} ( approx ) IRA to XXXX XXXX XXXX from Navy FCU. Navy said it would take 3 to 5 business days. an hour later I called Navy to verify that they received the fax ... they did. 
On XXXX I called Navy about not receiving funds at XXXX XXXX XXXX and Navy told me it now takes 7 to 10 business days. However deposits into Navy are immediate. I suspect Navy is using the virus scare to delay withdrawals while having plenty of staff to accept deposits. I wasnt born yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the fact that I have no access to my credit report via XXXX, I am deeply troubled by the handling of my personal information. 

I 'm not informed of what steps to take to ensure the safety of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been watching this bank for a while. It appears this bank carries out deliberate and covert unethical transactions towards its customers accounts charging unnecessary fees for transactions as low as {$2.00} a {$36.00} fee charged when sufficient funds were available at the time of the transaction. I contacted the call center on or around Friday XXXX XXXX XXXX approx. XXXX and was told by a supervisor the balance in my account of {$10.00}, which was true. I also asked the supervisor was courtesy pay activated on my acct and he indicated it was and that if items came thorough on the acct deposits would be processed first then debits then checks. THIS IS NOT WHAT HAPPENED ON MY ACCT. THIS BANK DELIBERATELY processed a check in which I was told was ok to be paid in the amt of {$500.00} and would only be access a {$36.00} dollar fee if the item came through as I actually called in to stop payment for it but was told it would be ok to allow my acct to pay it as it was currently set up on Courtesy pay and no issues show it would not be paid as it would be my first time using courtesy pay. This bank paid the check first then and then processed the 2 transactions which the {$10.00} balance would have covered and were also PRESENTED before the check was in written and even deposited for processing, charging me over {$100.00} in fees on items that had sufficient funds to cover and the option available for courtesy pay activated and they decided to REVERSE for no reason especially if there has not been an opportunity to utilize the product COURTSEY PAY/OVERDRAFT PROTECTION.
Product: Debt collection

Account Name : LVNV FUNDING LLC Account Number : XXXX Balance : {$950.00} This letter is a formal complaint against LVNV FUNDING LLC, a collection agency located at XXXX XXXX XXXX XXXX SC XXXX .They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.
Product: Payday loan, title loan, or personal loan

Sofi Lending has opened a personal loan in my name to someone who is not me. I have sent them notification that I am a victim of Identity theft and to removed the unauthorize account from the credit agencies. I have provided them with a copy of my driver 's license, proof of residency, a report I filed with the FTC and a copy of the police report. They have refused to remove the item from the credit departments. I have supplied them also with an affidavit signed by me that this is not my account.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding inaccurate and misleading information and fraudulent activity being reported on my credit file by [ Experian, XXXX, and XXXX ] concerning child support obligations. These errors are causing significant harm to my credit profile and financial standing.
Product: Credit card or prepaid card

My account been frozen with Venmo since XX/XX/2020 Ive been trying get my funds there no help My Name is XXXX XXXX my email is XXXX XXXX
Product: Credit card or prepaid card

Complaint BARCLAYS XXXX XXXX : BARCLAYS claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put BARCLAYS on notice. 

I gave BARCLAYS an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BARCLAYS never gave, or offered, due interest to the XXXX XXXX, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : BARCLAYS has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. BARCLAYS admit that I am the original creditor and source of the credit being utilized. 

XXXX. BARCLAYS leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ).

3. BARCLAYS reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. BARCLAYS pay for all fees and fines associated with this matter. 

XXXX. BARCLAYS pays me {>= $1,000,000} in damages. 

XXXX. BARCLAYS is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Product: Checking or savings account

My Name is XXXX XXXX XXXX I write a check from my 401k account in the amount of {$50000.00} and deposit the money into XXXX XXXX XXXX XXXX XXXX Account and the check took 4 - 6 business days before it clear and the money was deducted from my 401k account. So XXXX XXXX XXXX transfer the funds to her Suntrust bank account and to my surprise $ XXXX with her SSI and health benefits and her Child support been held in her account from XX/XX/2017, and till now am filling this complain the money is yet to be released and under banking law fraud investigation only take 14 business days. Please come to my rescue and the poor woman so SunTrust can release the funds. 
Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED INQUIRIES
Product: Vehicle loan or lease

I was given a bill of sale the day I purchased the car, the amount agreed upon was {$10000.00} at a XXXX XXXX XXXX XXXX  dealer. I put {$2000.00}. down payment on XX/XX/XXXX which left me owing {$9000.00}. I was not ever given or shown a finance charge, I was not told that they would be selling my account to a financial company in 3 months, but that is what they did, and when I requested the contract and fee schedule and payment history for the second time on XX/XX/XXXX, I received a payment history that does not match up to my receipts, and I have already paid {$12000.00} per their payment history, but I have at least XXXX {$1000.00}, cash receipts from the car lot that are NOT on the payment history they sent me, and nowhere on my bill of sale is there any reference to a finance charge, nor was I told about a finance charge and their saying I agreed to pay {$14000.00} which is NOT TRUE! I lost my job recently and they say I still owe some {$2000.00} plus dollars to them, and this is NOT TRUE! This is complete and total fraud! I have all the evidence I need to prove my case in court and I am planning on seeking the XXXX in damages due to the negligence of not only the car lot, but the financial company as well, they are liable both separate and together, because the financial company works in-house at the used car dealership and customers are not informed of any of this fraudulent activity, like selling the in-house financial company customers accounts after 3 months. It's not about what kind or type of people buy cars from used dealers, it's about fairness, it's about honesty, " TRUTH IN LENDING '' for me, it's about the fact that I have paid them very well for this car and at least XXXX people, on XXXX separate occasions, pocketed {$1000.00} each of my money, and they expect that I am going to allow them to just defraud me like this, while I am honest, hardworking, and intelligent, this is exactly the type of dealers that do NOT deserve to have license to take peoples money that is NOT rightfully due to them! I can not pay anymore for this car, I should not have to pay more- I'm taking this to court ASAP. I am also making complaints to every bureau available. This is unnecessary fraud of the PEOPLE!!
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX  , around  XXXX , I called to close my  Wells Fargo  checking account. I was surprised that all I needed was the account number and the last  XXXX  of my social. Those  XXXX  numbers do n't provide very much security to my account. An identity thief could easily get access to them. I would have expected verification of address/phone number, full social, mother 's maiden name, and maybe online account password. I did n't even need a pin.     I did want to close my account, just want people to be aware of the lack of security with  Wells Fargo.