23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

An accurate account information I've disputed with Experian both my online, as well as my phone with no resolution. I continue to get Account has been updated per the FCRA. This Credit card account has the account number of a current XXXX XXXX account in excellent standing as I do not or have not had any delinquent accounts with XXXX  XXXX. It shows it was discharge in XXXX  XXXX, which is well not accurate. I found the ID theft report with XXXX submitted all proper documentation to Experian, as well as identity. Documentation requested them to block this account it has not been blocked from my credit report as required by their it has not been blocked from my credit report as required by the FCRA once identity theft has been reported. Any assistance or guidance you XXXX have I would greatly appreciate as I'm seeking legal counsel to file a civil suit, if not resolved.
Product: Student loan

I submitted a refund request to edfinancial and I assumed there would be someone who could give me any information on when that would happen. I expected even a timeline of any sort but I got no information and they refuse to give me any saying " we are given no timeline or information on when it will happen. '' They are sounding extremely sketchy with my refund and I don't actually think it is getting handled properly. Edfinancial has told me nothing on both phone calls I've had XXXX weeks apart from each other giving them time to hopefully get some information but they continue to give me nothing. I never even got a conformation of the request being sent in so I have to rely on their word over the phone alone.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Purchased a XXXX  refrigerator from Homedpot in the amount of {$1500.00} Delivery scheduled for estimated XX/XX/XXXX. 
I phone to move up date because I already had a broken refrigerator and lost food. 
New date XXXX no show no call no email no tex rescheduled date XX/XX/XXXX Homepot delivery person called 1/2 hour prior to delivery notifying in route. 
upon unloading a brand new refrigerator from the delivery truck down to the ground he states that it is damaged and I can refuse it. 
My concerned is that I was eating pantry food without a refrigerator for a month. 
XXXX failed to provide the vendor Homepot a on time delivery and a new boxed refrigerator undamaged. 
I also agreed to have the water ice machine connected and in working order. Which was not connected and or is not in working condition.
Product: Debt collection

I and other family members were contacted via phone call by a collections company called Spire Recovery Solutions claiming that I owed a debt to XXXX XXXX for the amount of {$780.00}. They claimed that I had 48 hours to pay or dispute the charge by filing a police report ( this was on XX/XX/2023 ). I did not receive any correspondence about this charge via mail or email. When I asked them to send me concrete correspondence showing that I owed this, they claimed it would not arrive within 48 hours so it was meaningless to do so. I went to the police department ( on XX/XX/2023 ) to file a claim but needed the correspondence for the officer to create the report. The next day ( XX/XX/2023 ) I received a email from Spire Recovery Solutions with a delinquency notice stating that I owed the same amount to a different company named XXXX XXXX XXXX XXXX. I plan to gather all the information I have to file the police report although when speaking to the officer, he stated that it all sounded like a scam because there was no correspondence, a call of urgency to pay, and lack of informational accuracy. I have also checked my credit report and it does not show that I incurred any line of credit from any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax criminally and civilly injured me as a result of their reckless and criminal leak of data in XX/XX/2017. They caused me and my children severe harm and near XXXX during the pandemic as a result of their criminal negligence. 
I have had to place a freeze on my credit because of their criminal negligence and removing that freeze temporarily is XXXXMPOSSIBLE. They refuse to allow me to process this online as was the case today and require me to call XXXX. When I call I get jerked around for an extended period of time, most of the times, as today, I answer a series of questions, their phone system does not work and does not register my responses and I spend all this time only to then be kicked off the system due to unusually high call volumes or we are closed. The fact that our government and this agency still allows Equifax to operate is beyond ridiculous, they XXXX up and then prevent people from being able to rent or buy homes due to their recklessness and lack of accessibility to service the customer. I am able to lift security freezes from other credit bureaus in seconds, with Equifax it usually requires several days, several calls, several agents who barely speak XXXX and a phone system that appears to be designed not to work. What are you people doing? I know I cant be the only person lodging these complaints.
Product: Checking or savings account

A bank account was opened XX/XX/XXXX, under my name using my social security number that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 19 total inquiries on my transunion credit file that I was told were removed by them but there still showing I havent applied for any credit from any of these 19 companies
Product: Checking or savings account

#  XXXX  was closed prematurely. The bank has declined to provide how the interest was calculated. Rate sheet stated .15 % a t 90-days. Deposit m ade  XXXX / XXXX / 16  for {$91000.00}. Here is my email after the call.    ***To :   XXXX  XXXX  XXXX  Cc :  XXXX   XXXX   XXXX   XXXX  at  XXXX     XXXX    XXXX  , Thank you for your call today.   Here is my take-away.   You acknowledged tha t the Wells Fargo rat e sheet states .15 %.   The rate sheet that stated .15 % was meant to say .0015 %.   There is no way to explain the calculation of the interest as it is system generated.   There will be no adjustment to my account.   This is not satisfactory.   Regarding .0015 %,  XXXX  X  XXXX  =  XXXX   Interest  paid  XXXX .   The bank 's calculation is flawed.   It is unlikely that if I misplace a decimal or   two when dealing with a Wells Fargo  debt, it would be brushed off as just an error, I 'm sorry for the misunderstanding.
I will allow a bit more time to see what Wells Fargo wil  l do next.     **I provided the rate sheet to  XXXX   XXXX  and still no follow-up. I am guessing this is not an isolated incident.
Product: Debt collection

Contacted ARS ACCOUNT RESOLUTION, to get information about a debt. A woman named XXXX, became very rude and aggressive, using a condescending tone and got loud, rude and disrespectful, when I was asking simple questions. Had ZERO customer service skills.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$1100.00}
Product: Debt collection

ATTENTION TO CREDIT ACCEPTANCE CORPORATION I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I reached out to this company back in XXXX in regards to remove this from my file as they sent information they received to open this account which was not done by me or belong to me. I am seeking for this account to be removed from my file in the amount of {$7300.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Checking or savings account

My name is XXXX XXXX, on XX/XX/2021 I tried to to withdraw some money from my Chase bank account ATM my chase account is XXXX and I couldn't get any money out. I went into the bank and no answers was given to me. The bank manager told me to call the XXXX number which I did but no real answer was provided to me. I called XXXX days after days, months into months. So in XX/XX/2021, I called the bank and they said my account has to be closed. Account was closed and my name and info is flagged. I can't open bank account with any bank right..am not sure why my account is flagged. Please help me. 

Same happened simultaneously with my account with XXXX XXXX XXXX, my account number is XXXX
Product: Mortgage

XX/XX/XXXX XXXX XXXX I received a call from Chase Exe Office XXXX in which she told me : I see that you have previously requested information on a loan.Unfortunately as we have previously advised, we. do not have information on a loan. '' There is a current open complaint CFPB unanswered by Chase for information. 
Chase had previously represented only that they did not have documents not that they did not have information. 
I have requested information. 
Chase is seeking not to answer the CFPB complaint filed several times for information on a hidden loan revealed to me on my home. Chase is refusing to address whether the loan is an assigment or assumption and the name of the second bank. Chase has not given a loan number, not given dates, not given amount. There is an official log at Chase of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQ shows a lot of inquires I did not make. I would like to know how this happened when there should be a fraud alert on my file stopping these. I wasn't contacted to obtain any new credit.
Product: Debt collection

I received a debt collection notice from MRS BPO , LLC XXXX : //mrsbpo.com, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from XXXX XXXX XXXX , I returned their form starting this is fraudulent.
Product: Money transfer, virtual currency, or money service

VENMO REQUEST NUMBER : # XXXX I allege that Venmo intentionally constructs their website to *not* close accounts in order to frustrate people so much, they will just keep their accounts open. 

As a result of a news story regarding President Biden 's Venmo account, I decided to close mine [ XXXX XXXX XXXX  ]. However, Venmo would not allow me to do so. 

I used two browsers XXXX XXXX and XXXX  ) and I could not close the account using either one. 

I would get to the stage where I was supposed to review the Venmo Statement, but the website would not allow me to do so. It just kept saying " Loading '' and did that for about a 1/2 hour on each browser. 

As stated, I believe that Venmo intentionally frustrates people to prevent them from closing their account. I was forced to take the time to contact Venmo, wait for them to contact me days later, then go back-and-forth discussing the closing, then finally got it closed. Really?! 

With today 's technology they can't even just simply close an account?! 

If they can't make this work, why should anyone trust them with money?! 

They need to do what they say will do : close the account using their website. 


FROM VENMO : XXXX https : XXXX? XXXX -- XXXX & XXXX XXXX Close Your Venmo Account : In order to close ( cancel ) your Venmo account, please follow this link from a desktop computer browser and click Close my Venmo account '' at the bottom of the page. At this time, personal Venmo accounts can only be closed from a computer, not a mobile device or in the app. 

By canceling your personal account, your business profile will be permanently deleted ( if you have one ), and Venmo can not reactivate it. You also wont be able to create a second business profile associated with your personal account. Please note, you have the ability to cancel your business profile independently of your personal account. If you wish to cancel only your business profile, youll need to contact us. 

Youll need to transfer any funds in your Venmo account to your bank account before deleting your account, or return the funds to the sender. Any funds remaining in your Venmo account at the time you close your account will not be available to you without contacting us again. 

Please note, closing your account will not automatically transfer funds to your bank or return them to the original senders. If you have any incomplete transactions when you attempt to close, you will be prompted to address those transactions before closing your account. Once your account is closed, youll still receive one final transaction history email to the email address on file with your Venmo account, in compliance with federal regulations. 

Keep in mind that youll need to be logged in to close your account. If you need to reset your password, you can use this link to do so.
Product: Credit reporting or other personal consumer reports

First and foremost, the CFPB prohibits reporting medical debt to a consumer credit report. 

Additionally, the recent adjustment you made in response to my last dispute only reflects a change in the balance date, indicating thorough review of the underlying issue was not conducted I am writing to formally dispute the reporting of the above-referenced account, which I have previously disputed. I continue to contend that the debt being reported is not valid and request that you remove it from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. The law requires that, upon receiving a dispute, you must conduct a reasonable investigation into the claim. It is clear that the dispute I raised regarding this account was not investigated thoroughly or accurately by your agency.

Furthermore, the FCRA Section 1681i mandates that if an item is disputed and can not be verified, it must be removed from the credit report. Given that you did not verify this debt and ONLY updated the account date of last reporting, you have failed to comply with these legal requirements by re-reporting this account as verified when no evidence of the debt exists.
Product: Checking or savings account

presently XX/XX/year>2024 my XXXX Deposit should have been release and have not. Last Month was the same XXXX2024.I log on to the bank app and it was posted on Saturday XXXX 2024 but they have it they posted it on XX/XX/scrub> 2024. The bank only did that because i informed them that they have the funds and trying to gain interest. I also had several refund deposits in XXXX and XXXX and they refrained from releasing them until they are good and ready. Lastly they state that i suppose to have over draft but i dont. several times in XXXX they have taking my instant deposits and did not release them they made it seems like my account was in a negative or over drawn and they will either not release my instant deposit or they will tell me i owe tham. I have spoken to the overseas call center repersentatve and one rep laugh thru out the call and he realize i was tellimg the truth about them taking my deposit he said ok i am going to credit you, but he just hung up on me, I ended up not getting help and paying the negative amount. I did that because i had to evacuate from XXXX Texas with my family do to the hurricane and i use this account to instant cash out my pay,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am the living human being. I have rights under 15 USC-1681.

Equifax is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to 15 USC-1681 I have the right to privacy and I did not give EQUIFAX permission to furnish these accounts.
Product: Checking or savings account

This complaint is regarding WellsFargo Bank with my checking account on. I had lost my bank debit card and had another one send through mail that I never received. On XX/XX/XXXX this debit card was used 15 times in one day in different XXXX  in Fl far apart from each other & the only transactions made were to get cash back {$100.00}, {$260.00}, {$200.00} not once, not twice, but 15 times without being stopped or flagged & a {$300.00} ATM cash withdrawal. The next day XX/XX/XXXX I wake up to my account being negative - {$1700.00}. I called & told them the charges were not made by me because I had never received my bank debit card. Went to the branch in person filled a complaint being sure I would be helped waste of time and effort on my part many times. I received a letter that the case was under investigation. To then receive another that the investigation was closed and no money was going to be returned to me. Went again to file another complaint in the branch which they told me they could not do anything because it was moved out their department to Escalated Complaints. I was told to file a police report which I did on XX/XX/XXXX which did not help. No email was send to me regarding the case no phone call from Escalated Complaints Department nothing. Just a letter saying case closed due to final investigation. Wellsfargo charged me on top of all this {$35.00} for every transaction withdrawal which were multiple. How can a banking institution get away with this? No one to help & all they send you is a letter with case closed they keep on sending letters of just 10 more days for a resolution update and nothing ever gets done. They are stealing peoples $ and just {$1.00} no this is a complete disgrace thousands of dollars now from one person. With no one to help or guide I have come to do my own research, waste my time, get stressed in worse possible way and on top of that have my money stolen by them. We should not have to do this this is the reason I put my money there in the first place to be safe! Now is the Bank stealing from the people from innocent people I can only imagine the many that do not know were to seek help. I will send this to who ever I need Washington, who ever this is now more that just money this is about a Corporation stealing millions of dollars. Something has to be done and people should have the right to know about services complaints like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX.
Product: Mortgage

I applied for PMI removal at the end of XX/XX/XXXX with Santander. They cashed the check for an appraisal on XX/XX/XXXX. They put the funds in the wrong account and did not order appraisal until I called to understand delay. They then realized the funds went in the wrong account and fixed it with another delay to move funds. Finally on XX/XX/XXXX they ordered the appraisal. Again I did not hear until I received a letter from the appraiser that they could not contact me, the phone number they were given in the letter was incorrect. I called the appraiser first thing Monday since I received that letter on a Saturday. He informed me they canceled the appraisal due to length of time. I then made multiple calls to the customer service line and several trips to one of their branches always assured they saw all of this interaction and would reinitiate the appraisal and PMI application for removal. I'm still waiting for any response from the bank on XX/XX/XXXX.
Product: Debt collection

On XXXX XXXX, 2022, at XXXX XXXX  ET, I spoke to a XXXX at XXXX XXXX XXXX, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.
Product: Mortgage

I have a mortgage with PHH mortgage company. Start date of XXXX with XXXX term. I been paying biweekly and in XXXX started paying {$200.00} extra each payment. Upon inquiring with PHH few times, every summer support person gives me different answer. I got the transaction history for last XXXX years which is attached ( only XXXX ). I wanted to know based on my payment ( biweekly plus extra ) what will be my maturity year. There response is ( today spoke to XXXX, XXXX ) told me it will reduce by only XXXX years which doesn't make sense. I think something fishy going on within the company. Please look into the matter. I appreciate your time and help. 

Thank you XXXX XXXX