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

CFPB, XXXX, Experian, XXXX, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX ( XXXX ) - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.
Product: Debt collection

I checked my credit after being denied several times for a new auto loan. I came across an account for CONVERGENT OUTSOURCING with the ORIGINAL CREDITOR as XXXX and the amount owed is {$440.00}. I never received a final bill, or a collection notice from XXXX or from Convergent. My address has changed since the account was opened but my mail was always forwarded, and I never received any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. 
This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.
Product: Student loan

Refinanced a student loan with XXXX for around {$55000.00} and followed the terms and conditions of a promotional offer exactly to receive a {$200.00} promotion ( Tiered Welcome Bonus Promotion ). XXXX is claiming that I am not due the bonus due to terms that do not exist. Before I applied for the loan, I received verbal confirmation as well from a phone representative that I would indeed qualify for this bonus and I applied for the loan using the targeted link directly from the bonus. 

I've contacted the company, and their response is in direct contradiction to their advertised language for refinancing student loans.
Product: Debt collection

i, consumer, XXXX XXXX enter into a Consumer credit transaction with corporation Credit Acceptance on XX/XX/XXXX.on XX/XX/XXXX pursuant to 15 usc 1666, i sent a billing error notice to credit acceptance, lien holder, creditor and debt collector. due to unavailable reasons, credit acceptance fail to comply with section 1026.13 ( c ) ( 1 ) of the billing error resolution cited at title 12 of the code of federal regulations ( 12 cfr 1026.13 ( c ) ( 1 ) for not responding within 30 days. credit acceptance also fail to comply with rules for resolution cited at 12 cfr1026.13 ( d ) ( 1 ) and have been continuing to make attempts to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021 i traveled out of the country to assist my mother who contracted COVID 19 and died a months later. After I returned to the XXXX i noticed of a late payment fee from XXXX, I immediately paid it off, and then I questioned XXXX stating that it should be a problem with my automatic payment. A representative from XXXX told me that it should be fixed in 30 days. They came back days later to say that they would not reverse the late fee. Weeks later I realized that I did not have autopay set for this account since I did not use the card for several years and I only have it set for all credit cards that I use routinary and on top the purchase was made while I was out of the country between XX/XX/2021 and XX/XX/2021. I called XXXX again and I told them that I did not make that purchase, and I went into the same routing, they promised to investigate and get back to me in 30 days. I got a letter from them stating that the charge was valid, without any kind of proof on how the validated it. I requested a copy of the investigation and I never get XXXX. I started opening disputes with the credit bureau and they had the same outcome, a letter or electronic confirmation without any proof other than a written letter. I asked the credit bureau how I could get a copy of the actual investigation, what are the proof or documents that support that purchase, and they told me that I had the right to request that from XXXX and to have a copy of every document and investigation they made. I been unsuccessful on getting anything from them from them. I did not made that purchase and they are not acting in good faith.
Product: Checking or savings account

On XXXX XXXX while checking my Wells Fargo accounts online banking app on my phone, I noticed a transfer of {$10000.00} from savings to checking happened overnight and a withdrawal for " Billpay XXXX XXXX  XXXX  '' in the amount of {$4900.00} has been authourized showing as " pending '' and the amount has been deducted from the checking account, with a balance of {$5600.00}. ( Note : My checking account had {$630.00}, prior to the unauthorized transfer from savings to checking ). 

I contacted Wells Fargo fraud department regarding the unauthorized activites and representative advised to close both accounts and open new accounts and transfer the existing funds to new account, which I did. 

I transferred the {$5000.00} from my new job checking account to the new savings account and requested wells fargo to get with XXXX  to stop the bill pay service, since it was in pending and recover the money going forward to fraudster. Wells Fargo associate advised since the claim has been filed, they have a dedicated team that will investigate following their procedure, protocols etc. I did not want to call chase bill pay service on my own which may interfere in Wells Fargo investigation. 

Later that night, the {$4900.00} bill pay charge disappeared and the money was credited back on my checking account, which I immediately transfered another {$5000.00} to my savings. The next day morning XX/XX/year>, checking my wells fargo account, the fraudulent " Bill pay XXXX XXXX  XXXX   '' of {$4900.00} showed up " Posted '' to my checking account, wiping off my {$620.00} with a negative balance of XXXX. 

I was hoping Wells Fargo upon investigating will credit my checking account. They sent me a letter stating that they did not find any fraudulent transfer and I or some I authorized someone to do the transaction and closed the claim. After hearing this I filed a police report and went to Wells Fargo bank to speak to the manager where I opened my Savings account. He called the same fraud investigating team and pretty much did not go anywhere and asked me to file police report and fax the police report and the documents submitted for investigation to wells fargo again. This is where I am at this time and need your help too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at XXXX on XX/XX/2020, I spoke with XXXX at Transunion on XX/XX/2020, and i also spoke with XXXX at XXXX on XX/XX/2020 about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : Doing the trouble sometime, when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Sec 604 Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit card or prepaid card

THIS ACCOUNT WAS OPENED UNDER FALSE PRETENSES I CLAIM NO LIABILITY
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureau is reporting this collection as an " OPEN ACCOUNT '' which it is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. 

collection account on my credit report is XXXX XXXX FOR {$630.00}. 

This is being reported incorrectly as an open account. I need this removed and deleted
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account with {$1600.00} half a year ago! 
they send an email claiming that I can wtihdraw my frozen funds but their system still wont let me add my new bank account. 
on XX/XX/XXXX venmo emailed me that I should upload my ID and a bank statement of my new account. I have provided the requested documents but ever since Venmo stopped replying to me and like usual they refuse to let me add a new bank account! 
please help me. legal action must be taken against this fraud!
Product: Checking or savings account

XXXX Venmo froze my account XX/XX/16 they terminated my account Said I violated terms and that my balance ( {$22000.00} ) will be held up to 180 days. Would like a timeline of when they will release my funds
Product: Vehicle loan or lease

XX/XX/18 Sold truck to an individual. Loan was with Bank of America. Called bank paid in full. Payment was held to verify funds. 
XX/XX/18 Informed that account was closed and pain in full. Was told we could hand truck over to new owner. 

Later received title to truck along with documentation stating loan was closed. 

Now bank has reopened account and requesting money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of communication from this company on or shortly after the first of XX/XX/2019. The letter of communication claimed I owed a debt to XXXX and that I had 30n days from the date of the letter to request that AFNI. Inc validated this claim that I owed XXXX. I in turn sent AFNI not only a validation request with was received and signed for by the company my communication also included all required information regarding Identity theft. AFNI, Inc is not only in violation of my rights because this alleged debt has been posted to my credit files without proper validation. AFNI, Inc has also blatantly chosen to not follow and abide by federal law outlined in the Notice to Furnishers of Information regarding Identity theft victims. If AFNI, Inc was following the laws outlined for them in the FCRA I would have received validation before they ruined my name and credit rating with inaccurate erroneous fraudulent information. AFNI, Inc must remove this information from  my credit files immediately.
Product: Credit reporting

XXXX just now has notified me of a drop in my credit score due to a hard inquiry by XXXX on XX/XX/2016. I have not requested a credit card, or an increase in credit on my existing card, and there are no late payments associated with this card. This hard inquiry needs to be taken off of my credit report and credit score needs to be restored.
Product: Credit card

I had learned earlier this year that my identity had been stolen, after doing some research I determined that several transactions on my Discover Credit Card were fraudulent, I had never done business with this merchant before, and so I immediately reported it to Discovers Fraud unit. They filed the fraud claim and then provided provisional credit to my account. I had explained to them that I had several documents including Police reports and other evidence to back up my claim. They told me an investiagtor would be contacting me and at that time I could provide the documents or they would tell me where to go to upload them. Well I waited and waited then I finally get a call from someone claiming to be my investigator, she tells me that all of the fraud claims were going to be denied and explained that one of the reasons was that I had done business with the merchant previously. Well I had never done business with the merchant, ever, I explained this to her and she did not care, I also asked why no one had contacted me about the documents and police reports I have so they could review them. She had no answer or response. Normally a fraud investigator would contact you right away and want to review documents and any other evidence you may have to do a full investigation. She only called me one time, never asked for documents, and then gave a bunch of inaccurate/false reasons as to why the fraud claims were being denied. Then on top of all of this, the fraud department had mistakenly credited my card with too much money, no one told me, infact they told me many times on the phone that I could use the funds, that all of the funds from the fraud investigation had been transferred or added to the account and I was good go. Well once someone figured out their mistake they added another XXXX dollars in debit to my account! Just because they credited my account by mistake now I am liable for this error? My credit score has gone down almost 200 points because of this, I lost my job because of it. This has been an absolute nightmare! No matter what I do or how many times I explain this, no one will fix it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX CAR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX CAR was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX Rd., XXXX XXXX XXXX, MI XXXX Last 4 of Social : XXXX Credit Bureau : TRANSUNION RE : REINSERTION OF INACCURATE ACCOUNTS WITHOUT NOTICE OF REINSERTION To Whom It May Concern, On XX/XX/XXXX I disputed several accounts being reported by TRANSUNION in the file they maintain under my Social Security number. I was informed on XX/XX/XXXX that the negative accounts were deleted from my credit report. 

Now I have discovered that the items have been reinserted onto my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on my credit report was do to the Equifax data breach was already removed from XXXX Report
Product: Debt collection

I took a desperate loan with XXXX XXXX, XXXX. Usury interest is charged. I made three payments. They now say I owe XXXX and the collection agency they sent the debt to, never contacted me, never left a message, never emailed me and made first contact with my brother on his personal cell. That is unacceptable. 
I have offered to pay {$1200.00} in two payments of {$600.00}. That's it. They've made interest already. They have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I called Experian and spoke with XXXX and noticed they added somebody else 's address on my credit report today, I do not live in that state and was told it would take 30 days to remove. 

I was told by XXXX that this address was added yesterday and i should have received an alert. I did not receive an alert ... .This address did not appear yesterday only today. If i'm in North Carolina how could i be in Florida at the same time? 

XXXX would not provide me any information about that address, so i am left in the dark.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Harassment by Bank of America. Case numbers XXXX ( XXXX ) and XXXX ( XXXX ). Requested that their representative XXXX not to contact me ( phone or visit my house in person ) to sign notarized papers on home mortgage modification. XXXX left written notification at my house ( exact date unknown-notification letter not dated-estimate occurrence between XXXX XXXX XXXX 2015 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXXXXXX XXXX a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and Equifax are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when Equifax and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also Equifax has added the XXXX alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit file shows an unpaid collection account from " Radius Global Solutions '' in the amount of {$380.00}. The original creditor was XXXX XXXX. 

Radius Global requested this entire Trade Line be deleted from both XXXX  and XXXX XXXX last year. The reason being that XXXX took the account back and it was handled internally thru an entity called XXXX. I paid the account IN FULL to XXXX/XXXX with the understanding the account owner XXXX / XXXX would not list it as a collection and it hasn't been ; before that happened Radius Global ceased having account in its portfolio because it went back to XXXX and they requested TD deletion in XX/XX/2019. 

The Radius Global trade line was DELETED XXXX XXXX however XXXX  continues to list it on my file as a collection and even worse, unpaid account. I filed a formal dispute with XXXX ( XXXX Dispute report number is XXXX ) and submitted documentation to show that this account had been paid in full to XXXX/XXXX directly along with correspondence from XXXX. In the dispute report I also stated Radius Global is no longer the owner/reporter of the account. 

The Experian Dispute report number XXXX returned as VERIFIED and UNPAID, even with my supporting documentation -- receipt showing paid in full to XXXX and Correspondence from COX. I contacted Radius Global today after the Experian results came in and XXXX XXXX XXXX CONIRMED they submitted a TRADE LINE DELETION request last year, XXXX 2019. He told me he would escalate the matter to his own supervisor, XXXX XXXX and agrees XXXX should have been deleted from both Experian and XXXX as they no longer hold this account in their portfolio.
Product: Money transfer, virtual currency, or money service

Paypal emailed my email XXXX to inform the company I did not recognize the name on the account or the number associated I followed the help center procedure to fprwaed the email to their XXXX for investigation and have not gotten any communications, not wvwn an auto response to indicate a case is opened
Product: Money transfer, virtual currency, or money service

Money was transfer from Chase bank to a cryptocurrency platform. Each top up channel require to request a bank account transfer and the account freeze without permission to withdrawal. Was not aware all accounts is fraudulent and how can I deposit and can not withdrawal? Chase need to protect the safety of their customer 's account and need to investigate these fraud transaction. Ask XXXX to return my money and their bank is known for money luring. 

XXXX {$1000.00} XXXX {$10000.00} XXXX {$100000.00} XXXX {$60000.00} XXXX {$20000.00} XXXX {$50000.00} XXXX {$20000.00}