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

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX ...., has violated my rights XXXX  XXXX XXXX ...., Has violated my rights XXXX XXXXXXXX XXXX ...., Has Violated my rights XXXX XXXX XXXX ... .., Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer report as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  date opened XX/XX/2021 credit limit {$400.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of the account or service rendered.
Product: Checking or savings account

My two Relay Financial accounts were closed for no reason. I want to warn potential business owners about this bank. Relay Financial Bank is not a bank. They do not have customer support let alone anyone that can assist with any problem that occurs. On XX/XX/XXXX we had a bounced check from a customer in our XXXXXXXX XXXX XXXX We explained and gave them proof of what happened. Our account was reactivated on XX/XX/XXXX by rep XXXX XXXX. I signed in XXXX after then. But on XXXX XXXX I had trouble logging in. I tried logging in after XXXX XXXX and tried calling support for help. There hours are XXXXXXXX EST. I called the next day and they stated it would have to be escalated to fix the login issue. The error message I got was I tried logging in too many times. The login is automatically saved to my laptop and the password is already saved. I tried logging in twice and I was told to call in since I could not set my password myself. Since then I have waited and called in for weeks to find out whats going in my account. It is very difficult to get anyone on the phone at this supposed bank. Finally I got a helpful woman on XX/XX/XXXX. She apologized and stated this would be escalated. The next day I got an email stating my account was closed. No reasons as to why. So I called again and they said they would try and get someone to help. Today XX/XX/XXXX we are still expecting a deposit from our XXXX XXXX XXXX  connect who has paid us since XX/XX/XXXX. Only to find out our second account was closed. This company is not a bank. They are posing as a bank.Today is XX/XX/XXXX and our deposit has been blocked which will delay time in paying our workers right before XXXX. I have 3 transactions that I have disputed on my second account. I had to dispute it with XXXX  because this company is not a bank. I do not know what they are. But a scam. Avoid.
Product: Money transfer, virtual currency, or money service

I have been having to transfers my monthly Social Security, ( which is available on the XXXX of the month, unless that falls on a weekend or holiday, then the date changes to the closest, previous weekday ) from my checking account at CHASE bank, to my XXXX XXXX account at XXXX XXXX XXXX XXXX, in XXXX XXXX, Wisconsin. I have been a XXXX customer since XXXX. I have been having to do this since the summer of XXXX, when I moved to XXXX Rivers, where there is no close CHASE bank. I have had no problems with the transactions, until this year, XXXX, when on XXXX separate occasions, my money has been available but they dis not complete the requested transaction, claiming that the money was not available, even though a request made for a transfer on the XXXX, or appropriate date, did not make the money available for XXXX to XXXX hours following the request, which means that they held my money, even though it was available. ( I assume to collect extra interest for having it in their institution. ) On the XXXX transactions where my money was available, showing it physically, in my account, not pending deposit, I incurred overdraft fees at my credit union for insufficient funds, in amounts of {$26.00} for each occurance! This has caused me great financial hardship, as well as much stress, not knowing that the funds promised were not transferred. I am at 17 % below the poverty level regarding my monthly income, and am very careful with my spending. Until XXXX started withholding my available money, I never had an overdraft! I have been trying to get my Social Security Retirement Benefit deposited directly into my account at XXXX XXXX XXXX XXXX, but have not been able to do so, first, because of XXXX, and now because I am missing information needed to do the transaction, due to theft of all of my belongings, including my banking records. Up until recently, when I requested a money transfer, the money was made available to me the same day, if there were sufficient funds available! I believe that this behavior, by CHASE BANK, failing to complete these transactions, in a timely manner, is FINANCIAL EXPLOITATION OF THE ELDERLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Requested On : XX/XX/2019, SUNTRUST AUTO DEALER FIN Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Venmo suspended my account about 4 months ago and they held onto {$730.00} of my funds for lost prevention purposes I guess. About a week ago they send me an email saying that those funds that were held are now available for me to transfer into my bank account, however they didnt make it so that I could link a bank account or card. Ive reached out several times and was told that they had to escalate this issue to a specialist and to wait 5-7 days. Only for A specialist to email me a robotic response saying that my account is suspended for good and the funds will be held up to 180 days and I will be contacted when its available for me to transfer, which makes no sense because I already waited and I already received the email saying my held funds is now available. They keep making me go in circles, how can I transfer my funds if they wont let me link any of my accounts. Why do I keep having to wait 7 more days for? Please let me have my funds already
Product: Checking or savings account

Yesterday i was the victim of fraud and identity theft. A made up company called my bank pretending to be me. Took out a claim on a payment i made almost a month ago. My bank wells Fargo with no issues gave them ( my account ) a XXXX dollar provisional Crdit. After the credit was put in the account the theif zelled themselves the XXXX outta my account. I DID NOT AUTHORIZE this. I called the fraud department and reported them being told my by bank that it would be handled and i didny have to worry. I woke up today after going to sleep with a positive account of XXXX dollars and this morning it was negative XXXX dollars. They took all my funds from me and wont reverse it. I never authorized or took out a XXXX dollar claim nor did i ever XXXX someone money. credit nor the XXXX that they allowed. They physically put the funds in the account for these people to take and now wont help me fix the problem and are making all of the problems worse. I want my money back. The were so willing and eager to give give frauds access to funds in my account but wont give their own true and real customer THEIR MONEY BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute as a collections is its not mine and I disputed it with the credit Bureau and the collections was not removed.
Product: Credit reporting or other personal consumer reports

Transunion has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( RSMo ) 570.223. Transunion is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to Experian on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX, XXXX  I submitted a dispute with Transunion XXXX XXXX about a company that's reporting a charge off on my credit that have been sold to a collection company. I never gave the creditor consent to share my personal information.Transunion have not responded to this complaint as of today.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts currently reported on my credit report. These accounts are not mine, and I believe they were added due to errors or possible identity theft. I request that you investigate and remove these inaccurate entries from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed accounts are as follows : Creditor Name : 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  - Account Number : XXXX Date Reported : [ Date Reported 2 ] According to the FCRA, credit reporting agencies must report only accurate and verifiable information. I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed are not mine, and I have never had any dealings with these creditors.

Identity Theft : I suspect that these accounts may have been opened fraudulently using my personal information. 

Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify the creditors in question of the deletion of the accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

First time USI solutions called was on XX/XX/2019 from a XXXX XXXX, he left a message for my to call him back today. So I did call him back, I called him back, could not tell me what exactly it was for. I ask for his Lic # and he said I didnt need that. He got rude, calling me every name in the book, I hung up. 
Today XX/XX/XXXX he called my wife on her cell phone, and cursed at he demanding he to talk to me. I then called him back and told him not to call or Im pressing charges, he then started threatening me to pay. Ask me to confirm my address, which he new, he did that as a threat, letting me know he knows where we lived. I need help with this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to Transunion, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit reporting or other personal consumer reports

I disputed my credit report after my bancrupcy, my home morgage was not included nor had it been in any point in time delinquent or derogatory, the reporting agency did not research public record as all of this is included, the company stated they didn't report it closed as I see on my credit report and nor have they updated payment history. Yet after providing proof that my pennymac account was not only current and open but also there was never a late payment. None of the credit companies think it nessisary to report accurate information that deals with people 's ability to have a true and correct credit report. It's honestly a joke.
Product: Credit card or prepaid card

On XX/XX/XXXX at approx XXXX hrs I attempted to set up my mobile app for a care credit card, after three attempts of it not working I decided to call. On XX/XX/XXXX at approx XXXX hrs, I contacted synchrony credit card company. My first two attempts to call the number, resulted in the phone line ringing once then complete silence. My third attempt resulted in the company answering the phone, but will not release any information to me bc they say my date of birth is wrong and that I have to fax a copy of my drivers license. At this point Im very skeptical of their business practice, how can they issue credit cards to individuals when they arent verifying date of births in the beginning. They issued a credit in my name name with my information but wrong date of birth. They want me to except responsibility for all transactions on the credit card without allowing me to know the dob they entered into their system and used it and will not give me any information pertaining to me as the card holder ...
Product: Credit reporting or other personal consumer reports

This complaint arises from XXXX XXXX breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ XXXX XXXX XXXX XXXX ]. 
As part of this agreement, XXXX XXXX issued to me a XXXXond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3.

Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note.

Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298.

Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C.

3-301.

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
XXXX XXXX refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. 
It falls upon XXXX XXXX to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. 
By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX XXXX XXXX. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} XXXX  XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, 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
Product: Debt collection

Received a " subpoena '' from a debt collection agency for my mother. They included what looks like a judgement for a case but we have never been informed previously about any of this. The " debt '' is from 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from XXXX. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.