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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. OR DELETED 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XX/XX/2023 i sent certified mail to all 3 reporting agencys here are tracking numbers and USPS receipt attached XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my Venmo account was frozen with no warning or anything. The very same day I contacted venmo and they would not give me a reason as to why. My account had {$200.00} in it. When I contacted Venmo a account management specialist contacted via email because Venmo said they dont have a direct phone line. They said their policy says they can hold my money for up to 180 days but when I asked for a date that the funds will be released I got an email saying they will not be looking into the matter any further and not to contact them. Now I am out {$200.00} and Venmo will not respond to my emails about the date I will get the {$200.00} balance that is in my frozen account.
Product: Credit reporting or other personal consumer reports

This is an ongoing issue : XXXX XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.
Product: Bank account or service

On XXXX/XXXX/2015 I deposited a check in the amount of {$1200.00} to my personal checking account at Peoples United Bank. I did so using their mobile app. The check was paid on XXXX/XXXX/2015 and I have a copy of the cancelled check from the counter party that proves the funds were paid on that date. 

Nonetheless Peoples Bank did not credit my account until ten days later, XXXX/XXXX/2015. In the intervening time I was charged for returned items and 2 payments that I submitted were returned from the institutions I paid, causing me embarrassment. 

At this point Peoples Bank is refusing to credit me fully for the returned items, will not give me a written explanation and refuses to contact the institutions I had paid with an explanation of the faulty crediting in my account. 

Also, despite my changing my address information with a teller at the XXXX XXXX XXXX branch in XXXX, the address change was never made on my account. They still show the old address in XXXX XXXX! 

I want to be credited fully for the charges issued me during their delay, have a letter of explanation and have my returned item payees receive a letter explaining that this as not due to my fault. 

At Peoples Bank I spoke to a XXXX '. To say that she was surly understates the matter to a ridiculous extent. She kept me on hold for 20 minutes after another person had me on hold for 10 minutes. We did have a loud and angry exchange after that and then she put me on hold ... and for some reason (??? ), we were disconnected. Could she have actually hung up on me? Fortunately there is a tape of that conversation. 
Despite my requests on 3 occasions XXXX has not called me back. 

This account with Peoples United Bank has its origin in the purchase by Peoples United Bank of an account of mine at XXXX XXXX in XXXX XXXX. This account simply receives XXXX small pension payments, SS being XXXX of them. Fortunately I did not move any money to this bank because, after visiting a branch in XXXX my intuition told me that these people were inexperienced and not trustworthy. Therefore I did not move any other money to the account.These accounts do not make a material difference in my life or lifestyle. None the less, when I see how small account holders are really XXXX by banks, are charged usurious fees for overdrafts, are shunted around in call centers and generally abused by the staff I really do not want to hold my peace. I hope you can do something to reform this 'free checking '.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX XXXX XXXX ( which I believe are duplicates again, like my XXXX XXXX duplicate accounts ). XXXX XXXX, The Bureaus AND XXXX are all reporting collections. XXXX credit card IS XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with XXXX and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

Wells Fargo Loans ( XXXX XXXX and XXXX ) were originated by Wells Fargo and its affiliates XXXX witjout my knowledge or consent. I tried repeatedly to inform Wells Fargo that the loan was not mine and that Innevercsigned fircduchba  loan. They responded repeatedly that the loan is valid. I have decided to file a police report ( attached ), completed a notorized identity theft package showing my writing samples and signatures ( ttached ). I am attching the origination documentation with original signatures and handwriting as provided to me by Wells and XXXX. It is clear that my signature and handwriting do not match the application. Wells knows the individual who committed the fraud and Wells are in contact with the party. The party has indicated to Wells repeatedly that they accept responsibility. Wells continues to hold me responsible and has left me no choice at times but to pay this fraudulent loan to protect my credit but I can no longer do do. I have spoken to Wells Executive office and filed the fraud package. Wells knowingly has a loan that was falsely originated and have collected against that loan from me unjustly even though they know the perpetrator of the fraud and now have proof that I did not originate the loan.
Product: Debt collection

Received communication in late XXXX early XXXX from Midland Credit Management and could not communicate with the agents to understand the debt or try to resolve the debt. The agents would over talk me and I could not asked or get a question answered the agent would get louder. So, I stop trying. It was frustrating to XXXX XXXX I asked them to only communicate by mail. They had my most recent address and my previous address and my current address. They sent a court order to a XXXX XXXX XXXX address whose occupants I was not in contact with. After garnishment was started and research was done I found out where the paperwork went. The court records were researched to find what was being filed against me. This company received {$2000.00} for a debt that has yet to be clarified for exact amounts. And, the debt release was received in XX/XX/XXXX and they still have not refunded the total amount of overage in 5 months The court clerk was contacted for copy of original documents and it has different monetary amounts from what I was told on the phone was the debt owed. {$510.00} is still outstanding and these are checks that were supposedly mailed back to my employer in XX/XX/XXXX. I have dates, names and times I tried to clarify this issue starting in XXXX.
Product: Credit reporting or other personal consumer reports

I received a text notification alert from XXXX XXXX  saying that someone reported bankruptcy on my Kohls Card I went on my Kohls Card app immediately and logged on only to find out I was XXXX from using the app. I was told by the supervisor XXXX from Kohls Card that my account was in fact charged off and closed due to a bankruptcy - I explained to the supervisor XXXX that this is a big mistake because I did not claim bankruptcy. We verified the account number to make sure and it was in fact my account number that was being reported incorrectly and closed. 
My account was falsely closed and falsely reported on all three credit bureaus. My mom and I have the same name and reside at the same address, however we both have different social security numbers and dates of birth, I dont even know how my credit card information was obtained for this to even happen. I have no linked credit cards with my mom. My card was falsely closed and falsely being reported and now my credit is showing a bankruptcy that is not mine. I owe money on the card and I cant even long onto the app to pay it because Im restricted and the account is closed bankrupt/closed/charge off. 

The supervisor XXXX told me she will put this into investigation but I need to write a complaint for the investigation department to explain my situation in more detail to help with the process of restoring my card and removing this information and to attach a copy of my drivers license. 

My card needs to be reinstated and this bankruptcy needs to be resolved because its not mine, Please assist as this is a HUGE mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within four business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Payday loan, title loan, or personal loan

Due to the Pandemic my Husband has been out of a job and we are in financial distress at the moment. We are having issues paying our loan thru Personify and they have sent me a loan settlement offer in an email. But after numerous attempts I can not get them to confirm this offer in writing or email, they only offer doing it over the phone which I am not comfortable with. I would like something in writing. I have sent them numerous emails requesting this and even suggesting terms I could pay. {$2800.00} one time payment or {$4000.00} over 6 month period. However I just keep getting a runaround. I would like to settle this debt but this company Personify is impossible to deal with. I also have already made well over {$4000.00} payment on this loan.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related their 360 " high yield interest '' savings accounts. Capital One misrpresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Saving account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX has violated my rights. Furthermore ; 15 USC 1681 Section 602 States I have the right to privacy. Followed by 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for a purpose. I XXXX XXXX XXXX would like for this late payments to be removed immediately. Thank you!
Product: Vehicle loan or lease

Received a letter ( Exhibit A ) dated XX/XX/XXXX informing me that I owed {$2100.00} in damages and other charges for my recently returned leased vehicle. 

I responded by mail on XX/XX/XXXX ( Exhibit B ) and raised my concerns about the cost. 

I received another letter ( Exhibit C ) dated XX/XX/XXXX that did not address the concerns raised my XX/XX/XXXX letter. I called the company and they informed me that they never received my letter. They advised me to fax it, which I did on XX/XX/XXXX. Confirmation of fax receipt attached as Exhibit D. 

I recently received another letter datedXX/XX/XXXX that restated the XX/XX/XXXX letter. There has been no effort made to respond to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to request a copy of my Experian credit report online, but I was told that my identify could not be verified. I had the same problem with XXXX  and XXXX  - I called XXXX, and they told me they had a SSN on file for me that was off by one digit ( ex. XXXX instead of XXXX ). I think the same problem may have occurred at all three credit agencies, but XXXX  would not tell me what the verification issue was. 

I attempted to call Experian to talk to a person in customer service, but EVERY SINGLE NUMBER I CALLED FOR EXPERIAN just gave me an automated message menu with NO chance to talk to an actual person. I have tried calling over 15 numbers on over 30 total occasions : each one results immediately in the same menu. I mailed all 3 credit agencies on XX/XX/20 explaining that I had reason to believe they had the wrong SSN on file for me. 

I have only received something in return from Experian, which sent me a " Dispute result '' form ( which I have attached ). I attempted to access my dispute report online as directed by clicking " View results of a phone or mail dispute '' at https : //www.experian.com/disputes/main.html. However, I could not access this dispute report because the mail I received from Experian did not have the " Dispute ID '' prompted online ( see attached screenshot ). Thus, I have found no way to communicate with Experian besides sending another letter, which I imagine will be met with the same non-actionable response. 

I am frustrated that Experian has made it literally impossible for me to find out why my identity could not be verified with them. I have tried every method I can think of in order to contact them, but I have had zero success. XXXX  and XXXX, though, were very easy/simple to contact a real person.
Product: Debt collection

I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have and account thats not mines on my credit report XXXX XXXX XXXX thats not mines but the credit bureau Transunion refuses to remove it even after notes from creditors stating they have no acknowledgement of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 disputed XXXX XXXX  bankruptcy with Experian. The date account came back verified was XX/XX/2022. I have been going back and forth with company and also provided proof from XXXX the bankruptcy was unverifiable and removed. This has caused me a lot of XXXX and XXXX 

XX/XX/2022 XXXX Spoke with XXXX XXXX that Experian does verify with XXXX reporting the bankruptcy. The rep then says that they verify with the bankruptcy courts. After I told her that was incorrect she then says she was mistaken. Rep transferred me to supervisor. I told Supervisor XXXX stated they do not verify through XXXX and it is through another third party vendor. I asked her repeatedly who is the third party vendor they Experian uses and she would not tell me and then she says she can not see who it is verified through. Stated she will dispute the request and kept saying she understands. I told her to stop saying she understands because she does not and not in my position. The supervisor hung up on me when I kept telling her to stop telling me she understands and I told her I am not a child. 

Called back in and spoke to XXXX and she confirmed with me the XXXX is the third party that Experian verifies bankruptcy through. She also stated she located the letter I sent them that I received from XXXX and would submit it for dispute. She advised me that my last dispute that was in process did not have the letter from XXXX that I sent them. Rep was not able to attached the letter to my dispute so she stated she had to get me over to another rep who could. 

Spoke with XXXX and she stated that Experian does verify with XXXX and that XXXX is verifying account is valid. Rep stated she is submitting attachment to be disputed again. I asked rep if the supervisor put in notes that she was going to have Experian send me documentation of how account was verified, who it was verified through and who they spoke with and rep advised me supervisor did not. 


Doc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX and Transunion. Please remove the 30 day late payments from my credit reports.
Product: Debt collection

I have contacted professional debt mediation several times concerning a debt in the amount of {$1000.00} that is not owed to  XXXX   XXXX . This debt was paid on  XXXX   XXXX ,  2016 . I have provided all the proof required via email to both PDM and  XXXX   XXXX , but both companies refuses to take action and cancel out the debt.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX, XXXX. XXXX