23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

Although soft inquiries may not impact my score, the point is I did not authorize the inquiries. Furthermore, I understand why the thieves are inquiring but not the reason for Equifax constant  inquiries on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing late.
Product: Debt collection

I have called this company, CKS PRIME INVESTMENTS XXXX and I don't know who they are and what they have allegedly lent to me. From what I can see, they are a debt collector and not a creditor. They do not have a license to provide credit and I do not recall ever having received credit from them. They have not provided debt validation according to the Fair Debt Collection Practices Act or the Florida Consumer Collection Practices Act. They are extorting me by appearing on my credit report as a creditor that I have not paid. I do not know this company and they need to remove themselves from my credit report. They are impeding my home buying by reducing my credit score. Due to the low score, I will have to buy my rate and that will cost me extra money at the closing table. I demand that they prove that I have a contract with them and that they have lent me money. If they can not, I demand that they delete this fraudulent account from my credit report.
Product: Credit card or prepaid card

On XX/XX/2019 : I received correspondence that XXXX had ceased operations. They defaulted on providing a service in the form of a hotel reservation at XXXX XXXX in XXXX XXXX for {$260.00}. I called the hotel to confirm if a reservation under my name, XXXX XXXX, existed for XX/XX/XXXX, which they confirmed did not exist. Attempts to reach XXXX went unanswered. 

Over the next week, I sent a written correspondence to Barclays Customer Service to dispute and cancel the {$260.00} transaction at XXXX because the service provider defaulted on providing the hotel reservation service and ceased to exist. 

On XX/XX/2019 : I followed up with Barclays Customer Service ( BCS ) on the correspondence and the status of the disputed charge. Barclays Customer Service referred me to the dispute department, which I immediately called. Barclays Dispute Department told me that the dispute had been declined, but that I had the option of paper mailing them additional details. I was dissatisfied with this because I had already mailed them the information with the email from XXXX. I contacted BCS again to no avail. Please see attached correspondences for additional details.

Barclays Dispute Department substantiated that they could not go through with the dispute because the transaction involved a third party. 

On XX/XX/2019 : I emailed XXXX XXXX, a Sr. Manager of customer experience ( information posted on XXXX  ) in a written letter expressing my dissatisfaction with the customer service experience and brought up Barclay 's Chargeback protection policy as a potentially valid means to resolve this dispute. Please see attached letter for additional details. 

On XX/XX/2019 : I received a call from Barclays phone number XXXX from a person claiming to be a manager in the dispute department. I reiterated Barclay 's Chargeback protection policy in order to resolve the dispute, however the manager stated that the Chargeback protection was still not valid for this case. Shortly after, the call got dropped. 

At this point, I firmly believe that Barclay 's Chargeback protection is valid for this transaction due to the following reasons : 1 ) The purchase was made using their credit card 2 ) The services were not provided by the vendor.

3 ) I am within the 120 day time limit.

I cite the Barclay 's website on Chargeback protection : https : //www.barclaycard.co.uk/XXXX And also cite the example of " XXXX '' and how it relates to my case. I believe I have made every effort to act in good faith and be communicative in trying to resolve this dispute. Please see attached documents for all logged correspondences and details.
Product: Student loan

My loan service provider is Nelnet. The system is supposed to allow me to pay beyond the minimum and get ahead on payments. However, regardless of how much I pay they never advanced my due date by more than a month. I have called customer support several times, but they never resolve the issue or change my payment dates. Nelnet does not respond to emails or officially filed complaints.
Product: Mortgage

Please see XXXX which your office closed today. I did submit feedback and asked if that was enough or if I had to file an additional complaint. The email response to my feedback was simply that it would be added to my file so I am submitting an additional complaint. 

I am attaching a letter from XXXX XXXX that was sent to CFPB in XX/XX/XXXX 2016 when I enlisted your assistance in having my modification completed. This letter clearly shows that my payments were to be XXXX per month, no mention of escrowing taxes and insurance and no reason to do so as I was clearly paying my taxes and insurance on my own. Bayview accepted the transfer of my mortgage from XXXX and clearly accepted their terms. No correspondence was sent to me that they were changing the terms of the modification. Adding the " deferred amount of XXXX '' was not needed nor do I believe it to be legal as I clearly complied with the terms of the modification. Additionally this amount was never credited to my mortgage nor any payment to my mortgage or my homeowners or insurance. I am again requesting that this amount be taken off of my mortgage agreement and the information shared with XXXX XXXX who is currently managing my mortgage so that they can adjust their records I am also requesiting that this case not be closed simply because Bayview sends you a letter with their explanation that I was to include the taxes and insurance payment which gave them the right to access this amount to my mortgage, that is simply not true. I believe this amounts to predatory lending practices on a senior who was trying to obtain a mortgage modification. I am once again requesting your assistance with this company, a company that perhaps should be investigated as I 'm sure that I 'm not the only one that is having this problem.
Product: Checking or savings account

i had made a dispute about numerous transactions from XXXX. i disputed because either didnt receive refund for merchandise or i was unable to return defective items due to XXXX closing my account. i had then preceded as requested by EXTRA to provide specific evidence about the transactions and they then given me credit for the transactions. They then denied my claim saying that i didnt provide necessary evidence. which is incorrect because i provided all pieces of info asked of me and also if there was more info that was needed that should have been stated sooner and to not close the claim before talking to me about it. Now they are saying that the claim is denied and that i cant open it back up since its closed already and they are repeatedly trying to recharge me for the amount. they are also threatening to report this to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the lack of responsibility on your part. When will Credit Bureaus correct the erroneous information on my personal credit file? My requests have been ignored for months. Please stop the delay tactics and correct the following accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$2400.00}. As a consumer, I am protected by law from having misinformation reported on my credit file. At this point, I am requesting another review before consulting my legal counsel on how to address these incorrect and unverifiable accounts. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as required by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Debt collection

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 Experian 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 XXXX XXXX  loans ( account numbers ending in XXXX, XXXX, and XXXX ) opened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by the Dept of Education, and a collection account ( account number unknown ) opened by XXXX  ( XXXX XXXX XXXX  ) in XXXX. A credit card opened by XXXX XXXX XXXX  ( Account number starts with XXXX ) and XXXX XXXX XXXX  ( account ending in XXXX ) in XX/XX/XXXX. An auto loan through XXXX XXXX XXXX XXXX  ( account number starts with XXXX ) opened in XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX ( account number starts with XXXX ) opened in XX/XX/XXXX, and a credit card through XXXX ( account number starts with XXXX ) in XXXX XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # 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: Vehicle loan or lease

My son sold me his car on XX/XX/XXXX. His loan on the car was through GM Financial. 
I got a new loan on the car through my personal credit union. 
In Michigan, I need a clear title without the lean on the title to register the car in my name. 
Today XX/XX/XXXX, we have still not recieved the clear title. 
The check was cleared XX/XX/XXXX. 
I dont understand why I cant have the proper documentation I need to register my new car. I have been staring at it in my driveway for almost a month unable to drive it because it can't be registered to me until I get this paper clearing the lean on the car. 
GM financial wont send me or my son any documentation for me to get this car able.to register to me until XX/XX/XXXX. Then they told me I needed to wait up to 15 days for it to come by mail. 
This is absolutley ridiculous. How we he have been able to send this to anyone? The service with GM Financial has been horrible. I have been hung up on several times just trying to find a way to be able to drive this car and have my freedom of driving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, hereby declare under penalty of perjury that I am the victim of identity theft. In Match, 2023, I discovered that someone had obtained my personal information without my authorization and used it to apply for credit, resulting in the following inquiries on my credit report : I did not initiate or authorize these credit inquiries, and I believe they are the result of fraudulent activity committed by the identity thief. I am submitting this identity theft affidavit to request that the credit reporting agencies remove these inquiries from my credit report, as they are not a true reflection of my credit history. 

Additionally, I am disputing negative marks regarding open credit accounts that were reported on my credit report by XXXX, Experian, and XXXX. I believe that this information should not have been included on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). 

As you are aware, this provision excludes from the definition of a consumer report any report that contains information solely as to transactions or experiences between the consumer and the person making the report. In my case, the negative mark that was reported relates solely to a transaction or experience between me and the creditor, and therefore should not have been included on my credit report. 

With the exception of XXXX  XXXX XXXX, which should be deleted in its entirety due to identity theft, I also want to bring to your attention that the balances being reported on the other open credit card accounts are in fact, XXXX ( {$0.00} ) and should be marked Paid As Agreed, and are under dispute under the Truth in Lending Act ( TILA ), specifically under 15 U.S. Code 1640 ( a ) ( 1 ) and 12 C.F.R. 1026.38.

Under these provisions, I have the right to dispute any billing errors or unauthorized charges that may have been applied to my account and those accounts should accurately reflect my true account status until the disputes are settled, to the satisfaction of the consumer. I have already initiated the dispute process with the creditor, and have provided all relevant documentation to support my claim. 

Given the facts presented above, I am requesting that you remove the negative mark from my credit report as soon as possible. As the negative mark was included in error, I trust that you will take prompt action to correct this mistake and ensure that it does not happen again in the future.
Product: Debt collection

Debt collection showed up on my report and is not mine. States that account was opened in XX/XX/22. Charge was for {$1600.00}. Definitely fraudulent activity.
Product: Money transfer, virtual currency, or money service

I had {$1600.00} cash in my personal Venmo ( PayPal subsidiary ) account. I went to transfer it to another party on XXXX XXXX, 2021. Instead of transferring the {$1600.00} balance in my account, Venmo charged my credit card on file another {$1600.00}, transferred that {$1600.00} to the third party, and charged me a 3 % fee ( {$48.00} ). That left me with {$1600.00} in my Venmo account and a credit card charge of {$1600.00}. 
On XX/XX/XXXX, I submitted a request for explanation to Venmo help desk via email. In their repsosne on XX/XX/XXXX, they stated that I needed to verify my account information to transfer those funds to a third party. Since Venmo did transfer {$1600.00} to a third party, it seems this was really an excuse to gather more personal data. 
I called Venmo customer service today, XXXX XXXX. After 45 minutes on the phone, I was told Venmo could not credit the {$1600.00} in my account to my credit card on file but if I wanted to give them my personal bank information I could transfer it to my bank. Given how I feel about Venmo and their lack of integrity I am not going to give any more personal information on me. 
I believe Venmo should credit {$1600.00} plus the {$48.00} fees to my credit card on file, using the funds in my account and cancel their fees to fix this issue.
Product: Credit reporting or other personal consumer reports

to whom it concern regarding my account I made my first payment on the credit card for {$170.00} on XXXX the a XXXX dollar XXXX on XXXX XXXX it was a new card so once I paid the annual fee and gave them an extra XXXX dollars, I was credited for {$100.00}. I used the credit card XX/XX/XXXX in XXXX XXXX XXXXXXXX times that day made my first payment on XX/XX/XXXX for {$25.00} but prior to that I have made a payment on XXXX XX/XX/XXXX of XXXX twice they took out my account then {$20.00} on XX/XX/XXXX hours XX/XX/XXXX and then {$10.00} XX/XX/XXXX. They have been made to refund me in XXXX because they charge me a late fee every month from XXXX until XX/XX/XXXX XXXX was {$29.00} and everyone after that was {$40.00} late fee every month I would attach a copy of the refunds. This bill has been wrong from day XXXX and Id like to have it removed off my credit. This is for destiny as well. The same thing they were doing to my first one they were doing to my second one and charge me late fees as well and then my third credit card is with the same company, but its for a font. I had a XXXX XXXX and someone XXXX XXXX XXXX  car at provided insurance from the other person in. They pay for the car and they still put that on my credit card and then charge me late fees and fees every since I have paid the credit card off I have no balance with them and its still on my credit. I will attach all information needed in this, but you can call me.
Product: Debt collection

This company CKS Financial has been calling my number but I do not know them and I do not owe them for anything and I do not know anything about any relatives debt etc., with them. CKS call everyday all day long until I have to turn off my phone to stop the disturbance. I do not want to talk to them because if they look to see who this phone is registered to they would know they have they wrong person..
Product: Credit reporting, credit repair services, or other personal consumer reports

I need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. 
Delete this account due to inaccurate reporting. 

After you have finished with my request, send me a copy of my updated credit report reflecting these changes.
Product: Checking or savings account

Hi my name is XXXX XXXX and my phone number is XXXX. I have recently received a robocall from someone named Maryland that claims she is affiliated with Capital One Bank, and was trying to contact me in regards of my checking account. I received the voicemail on XX/XX/2020 at XXXX XXXX pacific time. I dont even have an Bank account with Capital One. I think that this is a Scam Artist trying to get access to my personal information. I hope that someone can investigate this matter to prevent possible bank fraud and or ponzi scheme or some other type of money laundering. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the same personal information that is breached in order to verify my identity and approve a change.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Called at XXXX got XXXX XXXX asked for SSN to verify, transferring me to XXXX XXXX XXXX XXXX XXXX in North Carolina XXXX I did not recognize this and let them know I never received written notification and would like to pay it if it wouldnt damage my credit. They told me that they could not delete it if I paid. I did stress I had not received written notification of this debt again and they did not comment on it. 

XX/XX/19 I called them again after speaking to XXXX XXXX who could not locate my account at all. Called them at XXXX got XXXX XXXX got transferred at XXXX to XXXX. On this call I was told it was for XXXX XXXX? I have never heard of them, nor visited this clinic. I dont even know of a XXXX doctor in my area. Asked to speak to a supervisor at XXXX. Got XXXX. He was incredibly rude even though he was made known no written notice was ever received. 

Ive been told this debt is from two different places on two different calls. I want written notice so I can validate or dispute this debt and the opportunity to pay it without damaging my credit once I am able to validate it, or the chance to dispute it as not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked XXXX XXXX XXXX  to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited XXXX XXXX and received my investigation and noticed everything was still the same with no proof of validating the accounts.The consumer reporting agency which is Experian did not modify or removed anything. 

The date open is not correct, date last active is not correct, and date of last payment is not correct on all three credit reports. 

Which is a violation of XXXX. This is impacting me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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