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

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I recieved a payment from a friend for lunch About three hours later I recieved a notice that " Your Venmo account has been frozen due to recent activity that triggered some security alerts. '' At the same time as the notice I recieved the following message from Venmo, " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. If you have any further questions, please reply to this email. '' I then asked what the issue was about and if it could be remedied. I recieved the following message " Thanks for following up. I can understand your desire for specific details that lead to this decision but in order to keep our systems safe, we do not provide that information. 

We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. 

I apologize that we're no longer able to serve you and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs. '' I am left both confused and distraught over the closing of the account. Venmo asked me to remove any and all references to Venmo from your website and social media accounts but I never posted about venmo online or used it on any website. At the time I logged into Venmo I was traveling in XXXX for a week on vacation but nothing in the user agreement prohibits me from opening the app while traveling. Furthermore, I read the user agreement and can find nothing I did that violates the terms. 

Venmo says that my actions or activity are in violation of the user agreement. Venmo refuses to tell me what actions or actives I did that are in violation. As suggested by venmo, I read the user agreement. I can not find any actions or violations which i have committed. I would appear some sort of mistake has been made. 

I am asking for the CFPB to intercede and restore my account. 

I appreciate your time in this matter.
Product: Credit card

RETALIATION BY THE COMPANY FOR FILING COMPALINT WITH CFPB My credit card was erroneously reported by the Comenity Bank for delinquency. I filed a complaint # XXXX with CFPB, that was forwarded to the company by CFPB. Comenity Bank retaliated against me by closing my account. The reason was cited as : The customer requested for cancellation of Credit Card. I never requested for cancellation of the credit card. I merely requested the company to fix my credit report. But they retaliated by cancelling my credit card.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX : Bankruptcy Reference Number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I recently reviewed my credit file and discovered the following inquiries that I did not authorize : XXXX XXXX via Dealer XX/XX/year> XXXX  XXXX via Dealer XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681b ), companies are required to obtain express written consent before initiating a hard inquiry on a consumers credit report. I did not grant permission for these inquiries, and I request their immediate removal from my credit report. 

Please consider this letter as my formal dispute. I kindly ask that you investigate this matter and provide documentation proving my authorization. If you are unable to verify my consent, I request that these inquiries be deleted from my credit file promptly. 

Attached, you will find a copy of my identification and a recent copy of my credit report highlighting the disputed inquiries. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Respectfully XXXX XXXX UCC-1-308 Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery associates have garnished and illegally accessed my life and personal life
Product: Credit reporting, credit repair services, or other personal consumer reports

The property was placed in forbearance under the CARES act and paid in full at closing. No payments were never late but it shows I was 60-199 days delinquent which is inaccurate. LoanCare LLC confirms this to be true. They reported it internally with XXXX XXXX based on the deferment and it's triggering XXXX XXXX and XXXX XXXX to believe that the payments were late. I need the " deferred status '' to be removed so that it shows no late payments.
Product: Payday loan, title loan, or personal loan

I received a {$300.00} payday loan from XXXX XXXX XXXX and have now made 4 payments on this loan. I called to find out the balance to pay off this loan and was told it was {$310.00}. This turned out that only {$15.00} was going towards the principle amount and the other amount I was paying was for fees applied on this small loan. I complained but was told this is how the loan payment works. This is insane and I want my fees returned or applied as paid in full. I will never borrow from this company or any other payday loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters and also they have not even ones responded back to me. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even responded back.
Product: Debt collection

I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from XXXX XXXX even though it was said it was taken care of.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 XXXXXXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently had a claim of hail damage to my roof with XXXX XXXX. I received a check in my name and my mortgage company. The new roof was put on XXXX XXXX. Ditech, my mortgage company, will not sign off on the check from XXXX XXXX until they receive a copy of the insurance adjusters estimate, and an itemized written estimate of repairs from the contractor and a properly completed XXXX form from the contractor! Then they will send out their own adjuster and check and then they will pay the builders. In the meantime, my roof is completed and inspected and I need to pay the builders out of my own pocket! My insurance company has never heard of this! I really feel like this is not my home!!!
Product: Debt collection

I have been having a problem with Enhanced Recovery coming after me for  XXXX  separate bills when they were not bonded in Texas at the time. I 've had the  XXXX  and  XXXX  accounts removed from my report several times over the years. Due to indentify theft as well as the debt I do not owe. However,  Enhanced Recovery Corp  seems to continually place theses accounts back on my report. Since  XXXX  I 've contacted between  XXXX  and ERC several times for validation of these debts with a contract signing, copies of license or ss to no avail. I first got them removed both accounts in  XXXX . Only to be placed back on in  XXXX . I had the accounts removed again due to lack of verification and validation of the debt they 're claiming I owed. The  XXXX  account was placed back on and removed again in  XXXX .  XXXX  came back as well and removed in  XXXX . I have had  XXXX  removed once again and now ERC is still trying to collect on  XXXX .  XXXX  has been removed from   XXXX    and    XXXX  . However, it and  XXXX  are still on My   XXXX   and  XXXX  report. I 've been having these problems with this company which had no bonding in the state of texas at the time these account were placed on my reports. I 've been fighting this debt. Not to mention the items have continously been removed. I 'm asking for valid proof of verification something in writing with my signature binding me to the debt. I 'm also submitting proof of these items being removed several times. Thanks so much for your time.
Product: Debt collection

At XXXX XXXX ( CT ) an employee of Professional Placement Services call my cell phone, said, " You're stupid '' and then hung up.
Product: Mortgage

I had applied for mortgage on XXXX/XXXX/16 with Sebonic/Cardinal Financial. They charged my credit card on XXXX/XXXX/16 for {$480.00} as appraisal fee. About one hour after the charge ( same day ), I called and informed them that I am withdrawing my application for mortgage with them so there is no need for appraisal. I also requested that the money charged be credited back to my card, both over the phone and in writing, as an email. They did not credit the money back and today I received property appraisal that was done on XXXX/XXXX/16 despite my withdrawal of the mortgage application at the earliest stage of application. 
following is the company/loan originator information. 
XXXX XXXX | Loan Originator Originator XXXX XXXX Cardinal Financial | Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XXXX | f : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get my consumer credit report from Lexis NexisXXXX. XX/XX/XXXX) ( XX/XX/2021 ). They are claiming that they don't have a file on me yet I was able to place a Security Freeze with them. I sent them all the required documents they required yet they still say they're unable to locate any data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute an item on my credit report and Experian is blocking me from doing so online. They give a useless phone number which makes it very difficult to file the dispute. By not allowing to file the dispute online, Experian is showing extreme bias toward the consume in favor of the merchant or credit card, as they are allowed to place items on line. I believe also that Exprerian is in violation of United States Law regarding consumer protection, as we are supposed to be able to dispute an item on the credit report.
Product: Checking or savings account

Filed a claim because of unauthorized transactions in my debit card wells fargo ( denied ) XX/XX/23 - XX/XX/23 total amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was some fraud made on XXXX XXXX  XXXX as someone tried to make accounts under my name. XXXX XXXX XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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

Dispute of Inaccurate Reporting Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate reporting of the above-referenced account on my credit report. According to your records, this account reflects a balance of {$16000.00}. However, I have documentation ( attached for reference ) from XXXX XXXX XXXX stating that the actual deficiency balance is {$5600.00} after the repossession and sale of the collateral. This discrepancy is not only significant but is a violation of the Fair Credit Reporting Act ( FCRA ) 1681i and related consumer protection laws.

Grounds for Dispute : 1. Inaccurate Reporting ( 1681e ( b ) ) : Under the FCRA, credit reporting agencies must ensure the accuracy and completeness of all information reported. The discrepancy between the actual deficiency balance provided by XXXX XXXX XXXX and the amount being reported by Experian clearly demonstrates a failure to meet this requirement. 

2. Verification Requirement ( 1681i ( a ) ( 1 ) ) : I request that you immediately conduct an investigation into this matter and verify the accuracy of the reported balance. If the creditor can not substantiate the reported balance of {$16000.00}, this account must be corrected or deleted from my credit file.

3. Unfair and Misleading Information : Reporting an inflated balance misrepresents the true state of this account, which negatively impacts my creditworthiness and violates consumer protection principles.

4. Potential Violations of FDCPA ( 807 ) : If this inaccurate balance is being communicated as an attempt to collect a debt, it may constitute a false or misleading representation under the Fair Debt Collection Practices Act ( FDCPA ). 

Attached to this letter is documentation from XXXX XXXX XXXX showing the correct deficiency balance, which unequivocally supports my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are continuing to report duplicate account that have been paid in full and should not show on my credit report.
Product: Debt collection

I received a collecting notice from LVNV funding XX/XX/21. I went through and still currently going through hardship. After receiving letters from them. I went to a 3rd party company XXXX to help me dispute this and they were able to help me close the account. This account was closed and settled a year ago but yet it is still affecting my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Collection Account on My Credit Report Investigation Request I am filing a dispute regarding an inaccurate collection account that appears on my credit report. This account is being reported by : COLUMBIA BEBT RECOVERY under account number : XXXX, and is deemed to be incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). 

I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. 

The presence of this account on my credit report is negatively affecting me, so I am requesting its immediate removal if it can not be verified with legal documentation. 

I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and collection agency comply with the FCRA. 

I appreciate your prompt attention to this matter.
Product: Debt collection

Complaint ID XXXX The answer on my complaint was lack of identifying information. 
My full date of birth is XX/XX/1977. 
Hope this suffice to answer on my previous complaint.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Experian, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied in store for an Arhaus credit card and an accompanying interest free promotional period. The in store representative told me that I would be making equal payments for the term of the loan. I was also told that I would be getting written disclosures in the mail from comenity bank ( the holder of this account ). 

Over the next several months, more than one of my statements was received after the due date of the payment. I had to call in to request the removal of late charges since I did not receive the statement in a timely manner. I also set up an on line account so that I could make my payments directly. 

My most recent statement for the payment due XX/XX/XXXX shows an interest charge billed of {$1800.00} and an interest rate of 29.99 %. When I called comenity bank for an explanation, I was told that my promotional period had expired ( I was never notified of this ). I was prepared to make the payment in full and requested an abatement of the interest charge, but the representative ( XXXX XXXX # XXXX ) refused. I explained to her that I never received the legally required disclosures and did not have a clear understanding of the terms of this interest free " loan ''. AND, none of this matched the information that I was given in store. 

I am prepared to pay the balance in full ( before the interest charges ) and request that comentiy bank be investigated for these loan sharking practices.