23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I noticed on by bank account that I had a credit of XXXX on XXXX/XXXX/2015 from Mobiloans LLC. Subsequently I had debits in the amount of XXXX on XXXX/XXXX/2015, XXXX on XXXX/XXXX/2015 and XXXX on XXXX/XXXX/2015. I have never applied for nor agreed to any loan. I did not need a loan nor have I ever needed a loan for XXXX. I have placed a Stop Payment on my bank account and filed ACH disput as well. I do not want my crediit affected by this unauthorized loan.
Product: Debt collection

Today, XXXX XXXX XXXX, 2015 - I notified Account Control Technology, Inc. at XXXX XXXX ) XXXX regarding my student loan payments. I spoke with XXXX. I have been faithful in my payments and have automated withdrawals from my personal banking account. However, I received a letter dated XXXX XXXX 2015 stating payments would begin posting payments to my account on XXXX/XXXX/2015. I was shocked. I had no idea at this time my promissory payments had stopped. I am careful with these payments since I do not want an OFF-set of my taxes! So with this information, I immediately sent documentation to the Federal EDU collection, Acct. Control Technology asking for payment consideration, why they stopped since I have never missed a payment - I asked if the correspondence reached the office and if so, please read the documentation. Oh, did she read it! She was quite aware that not only had I not known about the payments that I had also spent the past 5 months with my helping my mother who had significant and XXXX at The XXXX XXXX Hospital and XXXX XXXX XXXX. I have been taking care of my mother for months as she has been XXXX. My mother 's XXXX was over 10 hours long, extensive and XXXX for a woman of XXXX years old. XXXX So if these particular Customer service representatives try to tell me that they spoke to my mother, they are very mistaken. I am offended and appalled. 
During the conversation, I explained to XXXX I have never once received notice of missing a payment, NSF in bank etc. XXXX then tells me maybe my card had been expired. Then it dawned on me. Yes, my debit card had been replaced with the same # 's and a new expiration date which I told her no one from my bank or their company had contacted me. She ignored me and continued on. She then kept asking if I wanted to begin a new account. I can not believe A NEW account. This was not my fault in the first place. No letter of termination, no financial funds, we are sorry you have defaulted on your promise to pay - NOTHING!!! 
XXXX then stated to me that the representatives had made calls to my phone and to my mother. I hit the ceiling. How can mother speak to anyone - SHE CA N'T. I knew then these people were lying. I offered to have a letter of medical confirmation sent to the department, they refused. XXXX then went to her supervisor who was just as nasty. Kept asking me why I not paid on my account. I explained again it was not that I did not pay, I did NOT know my payments WE 'RE not going through! Again, they told me over and over they spoke to my mother over and over and I know they are lying - I even asked if they knew sign language. I came to a point of cursing which does not making things better. 
I honestly DID NOT know what happened as to WHY they stopped and did n't tell me - WHY they had not called me - I can pull my phone records and prove to them, and lastly why are they accusing my Mother, a XXXX yr. XXXX of LYING - or that my family is lying. 
Can you help me? 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALXXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Money transfer, virtual currency, or money service

I have been unable in the last 10 months to access my Geminis account and have been trying to get it unfreeze. I have sent in required documents but still not able to access my account. They froze my account for no reasons and after 10 straight months of contacting them back and forth through numerous multiple emails, submitted multiple tickets and provided them everything single documents they requested for including selfies, driver license holding my ticket number and getting the same responses! ( Gemini : Just confirming that your message has been received and will be handled as soon as possible. Once we have an update, we'll be sure to get back to you promptly. Thank you for your patience! XXXX XXXX XXXX, Gemini Customer S.upport ). I contacted their customer support and was asked to provide some additional identification informations which I did promptly. I then received further emails stating they were working on my issue. Ive also received an email from Geminis support team asking for my proof source of wealth and pay check stubs or taxes documents because they are wondering where I got the money to deposit into my Geminis account!? I have already submitted and provided them those documents the same day as well and still havent got a response back yet. This is ridiculous! Its my hard earned money so please give it back!!! Please help me! My Ticket ID : XXXX & Ticket ID : XXXX submitted on XX/XX/year>, Ticket ID : XXXX & Ticket ID : XXXX submitted on XX/XX/year>, Ticket ID : XXXX & Ticket ID : XXXX submitted on XX/XX/year>, Ticket ID : XXXX submitted on XX/XX/year>. Ive no more patience left to wait this long so Ive decided to submit another requested today Ticket ID : XXXX submitted on XX/XX/year>. Please help! I have crypto and position that needed to be executed! Theres no phone number to call them whatsoever. I have already submitted and provided them all required documents that they asked for. All Ive ever got from their support team is emails telling me to wait with no acceptable reasons? Ive been waiting for 10 months already! How much longer do they want me to wait!? I believe they are stalling and dont want me to sell or withdraw my crypto. After doing some quick research I discovered this has happened to a lot of Gemini customers recently. Gemini refuses to give a reason for the hold on the account. All I want is to sell or withdraw my coins as per usual. It looks like theyre not going to do anything about an account being frozen besides emailing back and forth unless we post on XXXX or file some kind of a complaint. Please help me get my money back. Thank you for your time and I really appreciate it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violating my consumer rights per the following information : Upon reviewing the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). Here are some of the discrepancies that I found : Account Type - Detail : XXXX does not provide any information about the account type, while XXXX and Experian both indicate that it is a charge account. This inconsistency could be considered a violation of the FCRA section 607 ( b ), which requires that credit reporting agencies maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

High Credit : XXXX reports a high credit limit of {$650.00}, while XXXX and Experian both show a high credit of {$0.00}. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to follow " reasonable procedures to assure maximum possible accuracy '' and to provide information in a way that is " fair and equitable to the consumer. '' Date Last Active : XXXX and Experian both show a last active date of XX/XX/2018, while XXXX shows a last active date of XX/XX/2018. This inconsistency could be a violation of FCRA section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

Date of Last Payment : XXXX shows a last payment date of XX/XX/2018, while XXXX and Experian show no information about the last payment. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to provide information in a way that is " fair and equitable to the consumer '' and to follow " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report.

In summary, the inconsistencies in the credit report violate the FCRA sections 607 ( a ) and 607 ( b ), which require credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report and to provide information in a way that is " fair and equitable to the consumer. ''
Product: Money transfer, virtual currency, or money service

My CashApp card was locked. Overnight CashApp allowed transactions to post even though my card was locked and then overdrew my account. I tried to work this out with them but they are refusing to return my money.
Product: Student loan

On XX/XX/2011 a master promissory note for a federal parent plus loan was filled out using my information and signed by my ex-wife. I have the master promissory note and an application for a note using the same e-mail and phone number used to sign the MPN. This e-mail and phone number belong to XXXX XXXX and I can prove it. I have attempted to speak to Great Lakes student borrower about this and have been ignored and pushed off to the federal Board of Education. I have worked on this for a year and it is still being reported as my debt when I can prove I did not sign the promissory note
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.
Product: Money transfer, virtual currency, or money service

I made an online purchase using Venmo that turned out to be a scam. I contact Venmo after exhausting my attempts to contact the seller ( purchased carbon handle bars, mounting stem ) and was told Venmo transactions should only be completed with people you know and trust. They offer no protections and refused to close the scammers account. Through research this person XXXX XXXX XXXX XXXX is actively scamming people and Venmo is aiding these scams by not address their clients feedback. I plan to discontinue my use of this service but don't want others to fall victim to the same scam because Venmo allows fraud/scams to occur on their network. Luckily it was only {$150.00} but could be much worse with not safeguards or consumer protections. I hope their executive enjoy their nice bonus made of of my hard earned dollars that were stolen from me.
Product: Credit reporting

I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit card

Thank you for being there. I called this afternoon o XXXX/XXXX/2016 about a problem I 'm having with a credit card. I called them on XXXX XXXX to make sure I had the correct amount I owed since I had a fraud issue on my accounts so bad that they wiped out both of my windows with all my info. My one computer is still being worked on. I called the credit card company twice to be sure the amount was correct so I could pay them in full have them send me a new card and start over fresh. I was told twice the same amount and paid it and got a conf. # that I was paid in full. Then I received a e-mail stating The amount was different and was told 3 different totals. I had transferred a card over to this on even the fraud case was still open Then the other credit card found in my favor and the info was sent to this card I 'm writing to you about. They told me I owed them for the XXXX article that I was found innocent of. I called the company that had the fraud in the beginning and they confirmed that that had paid it and I owed them nothing nor the card I 'm in dispute with. They are going to send me the info. to prove my case once again and she said it would take 10 to 12 days. I 'm sending that info to you so you can please stop all this. They have had me in tears. XXXX. Although most of the time I 'm at the XXXX. To me this is pure harassment and I can not deal with it any more and I truly believe they should have to pay me for what they have put me through. It is wrong I have done everything. Had info and proof faxed to them and this was never brought up until I was paying off the bill. Where I even called twice to make sure the amount was correct due to all the fraud. Being honest and this happens I 'm done and would like to see them get fined for the lack of experience they have and the treatment I was given. 
Thank you
Product: Credit card

On XX/XX/XXXX, I received a phone call while in XXXX that my XXXX bill had not been paid. I had attempted to pay this online at the airport, but due to a spotty connection, it did n't go through. Having never missed a credit card payment in my life ( XXXX or otherwise ), I immediately gave them my partner 's XXXX account info ( he gave his permission to Comenity on the phone ), as I did not have my account info on hand. My late fee and payment were immediately marked as credited. 

Apparently, on XX/XX/XXXX, without my knowledge, the payment was returned. Comenity made no effort to contact me regarding the returned payment. Evidently, when speaking on the phone, the Comenity representative, who was having a hard time hearing me, missed a " XXXX '' in my account number ( there were XXXX XXXX next to each other ). Despite Comenity 's repeated assurance -- as recorded on the phone call -- that this issue would not be reported to the credit bureaus and as such would not affect my credit score, I noticed my credit score plummet over XXXX points a month later. On XX/XX/XXXX, as soon as I received my statement, I formally filed a dispute with Comenity, who said they would open an investigation to look into the matter. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating only that " the Pay by Phone was processed properly '' and that my credit history would not be corrected. Later that day, I spoke on the phone with supervisor XXXX, who told me that unless I seek legal action, I can not receive detailed access to XXXX dispute team 's findings. 

Comenity 's misleading communication and lack of transparency appears to be an attempt at closing off avenues of recourse besides costly legal action in order to discourage further pursuit of my case. By refusing to share the recorded phone call or any of their notes from the investigation, it is impossible to confirm the veracity of their findings. 

I have never, ever, missed a credit card payment before, and am beside myself that a simple transcription error could jeopardize my credit score for the next 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - {$1000.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Late Payment XXXX - XXXX - {$5300.00} XXXX XXXX - XXXX - {$1800.00} Inquiry XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my Transunion credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ),  I have the right to request validation of the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 and XX/XX/XXXX Transunion report for all Credit bureaus reported all credit card balances of XXXX, XXXX XXXX, XXXX XXXX, XXXX was XXXX balance. 

However, today XX/XX/2021 I received an alert from transunion that showed all credit cards ofXXXX XXXX, XXXX, and XXXX XXXX showed old balance information from XX/XX/2021 and XX/XX/2021 but this only happen on Transunion. My balances of all credit cards mentioned are still at XXXX balances that still remain on XXXX and XXXX. How can it change back to the XX/XX/XXXX, information for all credits cards? This brought my score down 98 point going from XXXX to XXXX I had applied to but a house and get a car today which has prevented me from purchases a car and getting approved. The is against my legal rights with Fair Credit Act
Product: Debt collection

AFNI, Inc. sent me a collections notice. This debt does not belong to me. By law, a debt collector is required to validate that this debt is mine ( via a contract ) before they can report the debt on my credit report. Because this debt is not mine, I know these procedures were not followed and is causing unjust harm to my credit report.
Product: Debt collection

Account in question : LVNV Funding LLC Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting, credit repair services, or other personal consumer reports

- I've got multiple account denials citing LexisNexis Report. I've been ordering NexisLexis reports since XXXX, I never received any copy or disclosures. 
- Recently in XXXX, the month of XXXX and XXXX, I requested the report through a paper application form - which was submitted on XX/XX/XXXX following an inquiry on XX/XX/XXXX. 
- Lexis Nexis on XX/XX/XXXX informed me that they mailed out a link for me to download my file. I however never received any documents - consistent with all of my experience with Lexis Nexis - I never received anything. 
- I followed up on XX/XX/XXXX, Lexis Nexis refused to look into my file. The same customer service agent, XXXX XXXX  XXXX, constantly puts my inquiry into the loop ( request to be followed up and never sent out my paper work ) - LexisNexis ignored my XXXX XXXX XXXX complaint and now I'm out in the cold without my consumer report and my right to my information is violated severely by the company. I can't even get a bank account that uses LexisNexis system.