23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sunrise started XX/XX/23. Finally answered after a week. Collecting a debt of XXXX? From XXXX for some equipment. Told them I have never had any business with them or received any equipment from them. They then asked if I lived in New Jersey which I dont. They said ok and gave me a number for their fraud department which I called and all it was some beeps. The calls are about twice a week
Product: Debt collection

I have received several calls and letters from the debt collection company Great Lakes. They have failed to state who the original creditor is but insists that I will be subject to wage garnishment. I received a letter from them stating that if I do not set up a payment plan with them then wage garnishment will happen by XXXX XXXX, 2016 The letter they sent says the amount owed but it does not state the reason or the company it came from. Great lakes is not listed on my credit report so I do n't why they are bothering me.
Product: Money transfer, virtual currency, or money service

***FOLLOW-UP TO COMPLAINT # XXXX **NOT A DUPLICATE COMPLAINT. PLEASE DO NOT CLOSE. ** I would like to clarify a few things based on said report. First, I did not create any Venmo account in mid XXXX. Please do not refer to me as a Venmo user. I do not use any Venmo or other mobile wallet accounts ( i.e. XXXX, XXXX, XXXX, etc ). With that said, let me also clear your mistake that a third party accessed the account. This is never my account to begin with as I expressed just now. Therefore someone made just XXXX transaction for {$200.00} on the Venmo account in question. I have spoken to other close people who assure me no Venmo account was created without me knowing. A third party accessed it ( I suspect a thief ) and used my credit card to do so. From here on out, please do not refer to the account as mine or your account indicating I, as XXXX XXXX, created the account. 

With that said, you are right that I immediately reported the transaction as unauthorized when I saw it appear on my credit card statement. I also agree with you that the claim in question was approved, meaning I could get a {$200.00} refund made. However, since late XXXX, I have been in close contact with Venmo and did not get any refund. The problem at hand is the fact I am arguing a refund wasnt sent to me, and have shown ample bank statements from the time the statement was made on that card. Each time the statement is shown, a charge is only showing ; no indication of a chargeback/refund appears on my end. To say that you assure you sent it is not true. I have spoken to my bank a few times about this, and they assure me no {$200.00} was sent to either that card or any card during any time period ( no collections of a Venmo chargeback was shown at all ). Also, to say no contacts were made prior to XXXX is false. I have been in close contact thru Venmo support via the chat and each time, I have created ample tickets. As I expressed earlier, there is a constant battle of the general customer service reps not being able to assist with transferring the case over to the XX/XX/XXXXXXXX, or the fact that it is, but either I am ignored with the statement I provide to them or outright being told irrelevant information that the account is suspended. I do not care for that detail, and it is extremely irrelevant. The investigations you are alluding to are false ; no details was made like that through the Venmo chat. I have provided statements showing a charge was shown, but no chargeback. I am still owed {$200.00}. I do not care about the account being suspended because it isnt mine to begin with. Abide by my proof of my bank statements I have continuously provided to you showing a charge but no refund being given and give me a refund. You may wish to speak with my bank as well, who can confirm the same thing I am discussing with you : the fact no chargeback was given by Venmo.
Product: Credit reporting or other personal consumer reports

FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) requires that if a credit reporting agency ( CRA ) XXXX previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within XXXX business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the XXXX who provided the information.
Product: Money transfer, virtual currency, or money service

Someone else has opened a PayPal account using my email address ( XXXXXXXXXXXX ) even though I did NOT click on the verification message that was received. My complaint is that PayPal allowed this account to use my email even though I did NOT open the account or verify that the email should be used. 

Further, in the email, there is NO WAY to reject the verification. In fact, the email says not to reply by email. In order to file a complaint on the PayPal website, it requires me to login. How am I supposed to login when this is a fraudulent account? So my second complaint is that PayPal has made it difficult to resolve an issue that they are responsible for creating in the first place.
Product: Credit reporting or other personal consumer reports

I did not authorize any transactions. 

XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXnquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a validation of debt and accuracy. I am requesting validation of these account because I believe these accounts are inaccurate. I am requesting any and all documentation of these accounts to validate when were theses accounts open, close, balance, payment dates, status, etc. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. ... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$36000.00} Status Open. {$11000.00} past d... 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25000.00} Status Account charged off .... 


XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$190000.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. ... 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off...
Product: Credit reporting or other personal consumer reports

Since XXXX i have been back and forth with the bureaus trying to remove these fraud accounts that where open without my knowledge
Product: Credit reporting or other personal consumer reports

I XXXX XXXX notice some unauthorized inquiries appearing on my credit report. I have listed support and documents below. 

I did not authorize this inquiry XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid my credit card off in full also my business account over XXXX total Navy federal took my money and did not mail my the credits checks promised to me .Ive failed police reports and CFPB and ftc and affavidits Ive sent to them over several months ago.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a credit inquiry from XXXX XXXX SERVICES. I never request services from XXXXXXXX XXXX SERVICES NOR did I give them the right to access my personal information. 



I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized credit inquiries. The FCRA requires that any party requesting a consumer 's credit report must have a permissible purpose to do so, such as for a credit application, employment, insurance, or legitimate business needs. It is my belief that [ Name of Company ] did not have a permissible purpose to request my credit report. 

Here are the specific reasons why I dispute this credit inquiry : Lack of Permissible Purpose : I have not applied for credit, employment, insurance, or any other legitimate transaction with [ Name of Company ] that would justify a credit inquiry. Therefore, I question the legitimacy of their request for my credit report. 

No Authorization : I did not provide written or verbal consent for [ Name of Company ] to access my credit report. As such, any inquiry made without my authorization is in direct violation of the FCRA. 

Unauthorized Access : The FCRA requires that credit inquiries be made with the knowledge and authorization of the consumer. The inquiry by [ Name of Company ] was made without my knowledge or consent. 

Damage to My Credit : Unauthorized credit inquiries can negatively impact a consumer 's credit score. As a result, I am concerned that this inquiry may have a detrimental effect on my creditworthiness. 

I request that you promptly investigate this unauthorized credit inquiry and provide me with the following : Verification of Permissible Purpose : Please confirm whether [ Name of Company ] had a legitimate permissible purpose for accessing my credit report.

Proof of Authorization : Provide evidence of any authorization I may have given for the credit inquiry in question. 

Removal of Unauthorized Inquiry : If it is determined that [ Name of Company ] had no permissible purpose for accessing my credit report, I request that the unauthorized inquiry be removed from my credit report as per FCRA regulations. 

Confirmation of Remedial Action : Notify me in writing of the actions taken by your agency to rectify this matter within the stipulated timeframe ( generally 30 days ). 

I expect your prompt attention to this matter, as required by the FCRA. Please be advised that I will not hesitate to take further legal action to protect my rights and rectify any damage to my credit report if this issue is not resolved satisfactorily.
Product: Checking or savings account

On XX/XX/2022 My sister sent a XXXX payment of {$2500.00} to me. I received a text message confirming the money from First Midwest that night. First Midwest was merging to Old National Bank. I paid bills that were due thinking that my money was in my account. Monday XX/XX/2022 I went into the branch on XXXX XXXX because I couldnt log into my account all weekend. Upon arrival there was so many people in the bank because of the transition. I waited 1 hour but wasnt able to be seen. Later on Monday I received a email on how to log into online banking. Upon logging in I received a {$200.00} XXXX payment but not {$2500.00} payment. On XX/XX/2022 I tried calling only to get transferred to online banking and wait 2-4 hours on the phone to get hung up on. On XX/XX/XXXX I went to the banking location on XXXX in XXXX the lady told me that there was nothing she could do that I had to call online banking & my money should be returned to the sender after 14 days. XX/XX/2022 I finally talked to someone that told there was nothing they could do I would have to call the number again because online banking was the only people that could help me. I also emailed them the same day explaining the situation. XX/XX/2022 I went the XXXX branch & the same thing ; my problem is with online banking. I was referred to the same number I had been calling all week. By now the bank has reversed credit card payments because of insufficient funds. XXXX XXXX I go back to XXXX Western branch I explain to the banker but to no avail the only suggestion is to call the same number that hasnt worked all week. I closed one account & tried to close both but the banker suggested that I wait until I receive my money to close the primary account.He also explained that at the time the XXXX payment was sent that the bank had started their merge & I didnt have online banking at the time. I showed him the email confirmation but still theres nothing that he can do. I have sent messages via email, XXXX. I have tried calling numerous times. No one has returned my calls, emails or tried to rectify this situation. Also, my sister has went to XXXX 3 times they told her that the transaction shows completed on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Student loan

On XX/XX/2023 I was automatically charged {$390.00} as part of a monthly payment. This was not the first time I was dramatically overcharged. Today, on XX/XX/2023, I made a phone call asking what I was charged, which should have been less than {$180.00}. After being informed of a second student loan filed under a different social security number that I am being charged for, the company told me that my only option was to appeal for another loan to pay off both accounts, and charge me interest. After asking which loans would be paid off they told me it would still just be the one loan listed under my proper social security number, and wouldn't do anything involving the second loan. This has been my third attempt at fixing the issue and each time I call they tell me it's resolved when it hasn't. They also tell me to log into their online website to fix my student loan issues, but when I go to their website I'm told I don't have an account with them.
Product: Credit reporting or other personal consumer reports

I was completely caught off guard when I noticed incorrect accounts listed on my credit report tonight. Ive been diligent in monitoring it, but this time, there were unexpected issues. I tried refreshing the browser, thinking it was a technical error, but the inaccuracies were still there. Im asking for a detailed review of the documents I provided so I dont have to face this worry anymore.
Product: Credit card

I have an account with Citibank, it's a credit card that has an annual fee of {$650.00}. The company charges the credit fee monthly. The credit card company has limited my access to the credit card despite excepting the payments. I have been waiting for them to reopen my credit limit however, I have not had much response. This is a paid credit card which is supposed to guarantee additional services, however the credit card company fails to deliver their part of the contract. The credit card has been fully paid yet. I'm only able to access XXXX dollars XXXX limit making the car pretty much useless for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX  Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info- Address XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Finance Companies  XXXX non specific Contact info-Address XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Automobile Dealers, Used Contact info-Address XXXX XXXX XXXX XXXX XXXX NYXXXX Phone number- ( XXXX ) XXXX US SM BUS ADMIN ODA Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-National Credit Card Cos. 
XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Personal Loans Companies XXXX  Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXXXXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, VAXXXX Phone number- ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Important dates-Inquiry date-XXXX XXXX XXXX  Removal date-XXXX XXXX Business type-Finance, personal Contact info-Address XXXX XXXX XXXX XXXX, NYXXXX Phone number- ( XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX  Removal date-XXXX XXXX Business type-Banks and S & Ls Contact info-Address XXXX XXXX XXXX XXXXXXXX, XXXX Phone number- ( XXXX ) XXXXXXXX XXXX XXXX Important dates-Inquiry XXXX XXXX, XXXX Removal date-XXXX XXXX  Business type-Automotive Contact info-Address XXXX XXXX XXXX  XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXX
Product: Credit card or prepaid card

I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. 

I am asking for 2 things : ( a ) Forbearance for XXXX XXXX to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$2000.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a psuedo personal loan during hard times.. What if I was in the XXXX right now and needed extra $ $ XXXX??
Product: Credit card or prepaid card

I bought 2 XXXX Gift cards ( serviced by U.S. Bancorp ) in XX/XX/2018. But when I tried to use them in XXXX, I found that both of them were registered by someone else online, and the funds were already transferred to its XXXX account, leaving almost nothing on my gift cards although I still have both of them. I called the card service number on the back of the card on XX/XX/XXXX, and the agent gave me a fax number to send them the receipts, front/back of the cards, and my id. I also wrote my name, address, email, and phone number on the fax sheet together with those requested information so that they could contact me if they had any solution. But after 2 weeks of waiting, nothing happened. I called again on XX/XX/XXXX, and the agent told me they never got the fax and confirmed with me the fax number I got was correct. So I faxed again on XX/XX/XXXX. After a week, I called again, and the agent said they still did not receive the fax. I faxed for the 3rd time on XX/XX/XXXX. On XX/XX/XXXX, I called and they still did not receive the fax. The agent said the department which is in charge of this do not have any phone number to call. The only thing I could do is keep faxing and calling and getting to know that they never received the fax. They are not doing the job at all. When asked, the agent also said they could not provide any time frame regarding how and when they would solve the issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and incorrect information currently reflected on my credit report. After thoroughly reviewing my report, I have identified specific entries that do not belong to me, contain erroneous details, or were reported under false pretenses. This situation has created an unjust and unnecessary blemish on my credit profile, and I intend to have it rectified immediately. 

I demand that you conduct a thorough and prompt investigation into the disputed items. These inaccuracies are not only affecting my credit score, but they are also causing significant distress and potential harm to my financial standing. I am fully prepared to take any necessary steps to ensure these errors are removed and that my credit report accurately reflects my true financial history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq.

I, the consumer, have been adversely affected by XXXX XXXX  and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX  and EXPERIAN  do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX  and EXPERIAN  are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX  and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.