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

I call Experian, sent letterS, Dispute the account, have identity report. Ask for Mov.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2013 two men came to my door to demo a XXXX XXXX. I ended up getting financed through United Consumer Finance Services ( UCFS ) XXXX XXXX XXXX XXXX, Ohio XXXX. At that time the XXXX men did n't have all the items to the sweeper because they said they sold all of them and all they had was the demo one which was still new but they said they would bring me the rest the nest day. Which the items were the shampooer and hoses/attachments. So the next day I try calling and texting the seller with no response and kept trying everyday for about a week then he texted back and told me sorry that he was fired and I would have to call XXXX to get the items which I did but they ended up telling I had to pay for the all the items which really was upsetting. I ended telling them I did n't want it then since I should have got those items in the first place. After that I contacted UCFS to tell them I returned the sweeper but got a very rude lady who did n't care nor would listen to the problem. I just let it and did n't bother with it until XXXX  of this year I wanted to check my credit because I wanted to buy a house and this whole time UCFS has been reporting the info on all reports. I tried to Dispute it through the credit places but that did n't work so I made a complaint through BBB which went on a good month back and forth because this company is rude and wont listen and to top it off LIED! I got them the name and number to the guy that sold me the sweeper and text messages of me not getting the items. UCFS went on lying saying they called me several times and I told them i was completely satisfied which was not the case i tried telling the guy from UCFS that i never said and went on to tell him about the very rude lady that works for him and he just did not listen or work with me. Its not fair to pay for something that was returned first off nor is it fair to suffer credit wise because of XXXX companies! I just want this off my credit as it should have been when the item was returned. Plus they purposely flagged my credit for lates so my score dropped more because I disputed it and made a complaint. Is that even allowed? I just want to add that XXXX XXXX is the XXXX guy in the text message documents.
Product: Checking or savings account

I called in and spoke to a rep in XXXX. He stated he would close my account after I requested this. I believe I also did a webchat to close my account sometime after this, as it appeared my account was still not closed. The webchat person said they have now successfully closed my account. Just a few days ago, my mother received a notice from PNC showing my account still open. ( I currently live in XXXX XXXX and my mother receives my XXXX mail for me ). I don't want any accounts open with PNC. I previously had a BBVA account with no fees. PNC bought out BBVA bank and they took my BBVA no fee account and defaulted it to a PNC account WITH fees ( utterly disgusting business practice ), so I needed to/still need to close my account. I have twice attempted and twice been assured my accounts would close. So now I need to file a complaint before they try to tack on more unjustifiable fees and I hope other BBVA account holders didn't also have their money stolen from this bank.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal Notice of Dispute regarding the inaccurate and unauthorized reporting of student loan accounts on my credit report. These accounts are in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). I request an immediate investigation into these matters and the removal of the accounts listed below.

Accounts in Dispute : U.S. Department of Education Reason for Dispute : The account is being reported without proper authorization to share my educational records or loan data. Under FERPA ( 20 U.S.C. 1232g ( b ) ), the unauthorized disclosure of my education records, including loan-related data, is prohibited unless explicit consent is provided. No such consent was given. Furthermore, the continued reporting of this account violates my privacy rights and misrepresents my financial standing.

U.S. Department of Education Reason for Dispute : The balance on this account is inaccurate and does not reflect the correct terms or status of the loan. Additionally, the reporting of this account constitutes an unauthorized disclosure of my educational records, violating FERPA. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure accuracy, and failure to meet this standard has caused harm to my creditworthiness.

Legal Basis for Dispute : Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) : Protects the privacy of student education records and restricts unauthorized disclosures. The reporting of these accounts constitutes a violation of this federal law.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Mandates furnishers to provide accurate information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i : Establishes the right of consumers to dispute inaccuracies and requires CRAs to conduct reasonable investigations.

Demands : Conduct a thorough investigation into the accounts listed above within the statutory 30-day timeframe.

Remove or block the reporting of these accounts as they violate federal privacy and credit reporting laws.

Provide written confirmation of the actions taken, including the removal of these accounts from my credit report.

Failure to comply with your obligations under FERPA and the FCRA will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and the Federal Trade Commission ( FTC )
. I also reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT RECEIVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECEIVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW XXXX XXXX XXXX HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!
Product: Checking or savings account

On today, XX/XX/2023, I called my Bank Wells Fargo to find out why I am unable to make any online payments or transfers and was finally told that they decided to close my bank account on XX/XX/XXXX so there is currently a hold on my account. I asked why this is happening as Ive never had any issues with them since becoming a customer the beginning of this year and I was informed only that it was an executive decision that they can not disclose to me the reasoning of why. When I asked if I could go to a branch to withdraw my money ( {$290.00} ) they told me I can not do that and I have to wait until they close my account on XX/XX/XXXX and I will receive a cashiers check in the mail within 2-3 weeks. I obviously can not wait that long for access to my own money as I have bills to pay and other responsibilities that are coming up. It is completely unfair that not only did they never contact me about this decision ahead of time, but that there is no explanation as to why AND I cant have access to my own money for that long. If someone could please help and contact me I would more than greatly appreciate it. Thank you in advance for your help and time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Whenever I call customer I am directed to do everything online. I am told this everytime I call customer service but the reality is that everytime I use online features from my credit card it tells me to call customer service instead specially during a dispute process. See attachment. I think Bank of America should fix this issue on my credit card so I don't have to call customer service every time. I have been told by reps that they want all customers to do everything themselves and they send me a link to follow to do it online. But how can I do anything online if it keeps telling me to call customer service. This has been an issue since I first got this card a year ago and I have been calling customer service since then. Please fix the issue. I wish I could just do everything online including disputes without having to call customer care. But when I call customer care reps almost refusing to take the call and ask me to follow the link emailed and do it myself. They even don't want to take a dispute or get anything else resolved. Please fix the error.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

XXXX I made my deposit into Citibank atm like I do every Friday. Their machine had an issue and couldn't do anything with my check and kept it. I called number they said take 45 days to fix ... .this voliates the 7-9 days max a bank can hold my funds ... .there fault for faulty arm machine. I want to see legal actions as now my rent will be late, my phone bill, my electric bill ... they bank should be responsible for their faulty issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} XX/XX/
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, Venmo froze my account on XX/XX/XXXX, requiring me to submit a valid drivers license to unfreeze it. Unfortunately, my drivers license is expired, and I am currently unable to renew it due to lack of funds for the XXXX fees. Venmo will not accept an expired license, so my account remains frozen. While I understand and accept that Venmo can freeze or even permanently close the account, I believe they do not have the right to withhold the funds within it. These funds belong to me, and I am concerned that Venmo is essentially confiscating them without justification. 

Since my drivers license renewal isnt possible at this time, I am requesting that Venmo release my funds through an alternative method. I am not seeking to continue using the Venmo account ; I simply need access to my money. However, despite my numerous attempts to work with Venmo on this matter, I have encountered constant roadblocks. 

Here is a summary of the actions I've taken and the issues I've encountered : 1. Bank Account Linking : Venmo requires an external bank account to transfer funds out, and I only have a PayPal account, which has a valid routing and account number. However, every attempt to add my PayPal account as an external account results in an error. Ive provided Venmo with my PayPal account details, yet the system still prevents me from linking it.

2- Debit Card Linking : I attempted to link a debit card as an alternative way to withdraw funds, but Venmo also blocked this option.

3- Alternative Requests : Ive asked Venmo multiple times, via over XXXX emails, to either mail me a check or send a prepaid card with my funds. I received no response to these requests, leaving me without any viable way to access my money.
Product: Credit reporting or other personal consumer reports

Wrong social security number, names, phones number. 

I disputed the account and per report number that was verified on XX/XX/XXXX, and XXXX XXXX XXXX : Names are XXXX XXXX aslo known as XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( XXXX, EQUIFAX, AND XXXX ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.
Product: Debt collection

I have repeatedly asked for itemized bills and receipts and I am only being sent old copies of statements that I have no idea what the charges are. I do not know if they are furniture, bedding, service charges or anything else because I am not being sent itemized bills or receipts to determine what the charges are. I settled my issues with XXXX 's corporate and although it is being stated that XXXX, XXXX etc. are the original debt owners, the reality is I did interactions with XXXX 's corporate, who was the entity that was supposed to remove charges and correct statement as they are the one who made errors in double charging a return and were to refund the {$500.00} I had to pay to remove bedding their employees dumped in front of my building in XXXX. My credit statement on XXXX does not even state that this is disputed. 

I have no idea what they are trying to collect I request itmezed bill and receipts not old copies of statements which do not show what the charges are actually for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a home on XX/XX/2020. I started receiving phone calls from Wells Fargo in XX/XX/2020 that I was late on my mortgage payment. After explaining to Wells Fargo that I sold my home, they stayed they did not receive the funds. I told them the situation and ask that they not file delinquency since the situation would be resolved. They said they couldnt assist with this. I was informed that A wire transfer was sent by The Closing Specialists to Wells Fargo on XX/XX/2020 and they sent me a copy. The wire transfer states that if there was any error, the money was to be returned ASAP. The money was never returned. Turns out that the account number on the wire transfer for Wells Fargo was one number off ( not my account number And not information I had provided to The Closing Specialists ) and so the money sat at Wells Fargo until the two companies figured it out. The money was finally returned to The Closing Specialist and the wire transfer was finally resent on XX/XX/XXXX. However Wells Fargo still filed delinquency. They sent me a letter stating this was not my fault but would not assist with what affected my credit. My credit score went from XXXX to XXXX, which has affected the loan percentage Im getting to purchase a new home. If Wells Fargo has provided a letter stating what happened and that it was not my fault, I feel my credit score should reflect the truth. This entire situation was out of my control and I had no knowledge of it until gecalls. Also, if Wells Fargo received a check for {$120000.00} that did not go to any loan account and no one checked into, rather let the money sit in their bank to gain interest, this is negligence at best and fraud at worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Credit cards or credit lines is showing 127 % on XXXX for Credit on Cards but there is only XXXX on the lines of credit and XXXX is used, which should be lower just waiting for the credit cards to update the information.

If you look at Transunion and XXXX they show the property information but for some reason XXXX is showing something a lot different that is affecting my score.

I know there are some issues with my account that I'm trying to work through. I had a company I left my son and items that should be business related are showing up on my credit report and working with an attorney to correct. However, XXXX is extremely difficult to work with and they don't seem to do extensive investigations to ensure their information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advanced Resolution Services is not allowing me my right to have my credit information frozen and insists on trying to force me to jump through hoops to get my report frozen. I have been attempting to get them to freeze my report since the 4th quarter of last year.
Product: Debt collection

Credit Systems for XXXX  XXXX Opened XX/XX/2019 {$220.00} Placed Collection on Credit Report
Product: Checking or savings account

On XX/XX/XXXX I attempted to obtain my bank history statements to use to comply with tax amendments from past years. 

While Bank of America ( BOA ) claims they provide Statements Available online up to the below amount of time, however, they failed to provide this online. 
Checking Statements XXXX years Savings Statements XXXX years Credit Card Monthly Statements XXXX years Credit Card Year-end Summary XXXX years BOA provides XXXX XXXX files for the past XXXX months only. Unfortunately that only gets me records to XX/XX/XXXX and that is insufficient for me to comply with completing my XXXX tax amendment. The part of the website that allows for past years to be provided fail to provide the documents in a useable format, only allowing Paper and PDF files from XXXX XXXX and failing to entirely let me request anything from Fall XXXX - XX/XX/XXXX. That is a big gap of information missing. Attention to this matter would be greatly appreciated. Additionally in the modern era it is critical that statement document be provided in electronic formats that are structured and organized such as XXXX XXXX files to be made available online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want file a complaint on experian and XXXX and XXXX they have on my credit as late payments on my credit report with no evidence of late payments and I was never late and they don't won't to remove negative item off my credit and showing I still have a balance on a loan that have already been paid off and they have a account from XXXX that is not mines don't belong to me with somebody else address I never lived at