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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION XXXX LLC and its criminal executives such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX such as 18 U.S. Code 241, 18 U.S. Code 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The AAFES Military Star Card took advantage of me while I was overseas. The company fraudulently took money from me and never posted to my account. I came back state side and found out the account had been charged up over 2,000 and no posted payments have been made. I reported this to the company and I was asked for receipts- there was no way I could get those as I was XXXX and didnt keep any cash exchange receipts. I wanted the exchange to open up an investigation into this in 2014 to which I was told that the only way to prevent this from affecting me is to pay off the whole balance, which I did. Almost 6 years later, they have reported my account as delinquent even when I was told that this would be handled if I just paid off the balance, even though I had already made monthly payments that were not posted to my account, as someone was stealing them from the exchange overseas. Furthermore, they have filed a tax write off when there was NOTHING TO WRITE OFF! They fraudulently steal money, failed to flag my account for missed payments, never sent correspondence and told me that this account is my responsibility. They refused to help their customer when fraud was evident and have ignored every chance I have tried to resolve this. I dont owe them a cent and I paid off an amount twice over, only to be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I desperately need some help resolving the situation at hand!! I've dispute with XXXX, Equifax to no avil that XXXX XXXX is reporting inaccurate credit information on my credit file. Even after being notified. 
Equifax XXXX  reports to Equifax as an open account. how can a collection be open? XXXX  reports to Equifax a 120 days late payments reported on a collection XXXX  reports to Equifax {$1200.00} past due reported on a collection XXXX The date last activity was reaged every month i disputed this account with XXXX  The date of last activity was re-aged when this collection agency falsely stated that it was " verified ''. This needs to be removed immediately! date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active XX/XX/XXXX I made complaints to the XXXX  which XXXX  claims that they have no control over how the credit reporting agencies reports how can that be when the information is coming from them. I've attached they response to my complaint along with copy of my credit report The facts are taken directly from my credit report
Product: Money transfer, virtual currency, or money service

XXXX from VENMO at XXXX stating that an attempt to sign into my account from a new device or browser. 
XX/XX/2021 XXXX XXXX EMAIL from VENMO that a new debit card ending in XXXX has been added to my venmo account. ( Come to find out thru further investigation that this was linked to XXXX XXXX  and the name XXXX XXXX XX/XX/2021 XXXX XXXX email from venmo stating that an instant transfer of {$550.00} FEE of {$5.00} WHAT YOU'LL GET {$540.00} CARD-XXXX  XXXX DEBIT ... XXXX Transaction ID XXXX XX/XX/2021 XXXX. email notice from venmo Transfer from my VENMO account attached to my bank debit to XXXX XXXX in the amount of {$1000.00} XX/XX/2021 XXXX XXXX Email notice from Venmo transfer from my venmo account attached to my bank account For {$250.00}
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX  shall remove the listed fraudulent and misleading account below from my consumer report. Reporting this account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX XXXX and you can also violate 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Checking or savings account

Hello Wells Fargo, I attempted to obtain credit after all of these years and I am not able to get credit at all. I am not able to get credit due to the identity theft that happened at your bank and that you have continually denied over the years. It has been proven that my identity was stolen in XXXX. I deserve better customer service than this. I did not work my entire life to get all of my money stolen from your bank so that I would never be able to go on vacation or buy a home. Had my money not been stolen- my bills would have been paid and I would have not gone homeless. 

I hope that you would take it seriously that Wells Fargo was involved with the transactions that made me homeless and that Wells Fargo historically refused to look into the fraud and continued to put that burden onto me which has been a tireless effort considering that I know nothing about fraud and that every single detail that I have brought to light- has gone entirely ignored by the XXXX  offices. 

Please help with more than just sending me an acknowledgement letter in the mail. Wells Fargo is an established financial institution that should take their customers seriously as you are capable of causing the consumer severe issues, emotional distress, and problems that you can not even imagine your own self as a Wells Fargo Banker and contributing society member.

Thank you for your time and consideration.
Product: Debt collection

I have tried multiple times to get this taken care of. I have no knowledge of the debt they have on my credit report. I mailed an original police report showing I have no knowledge of these debts, and they refused to respond to me. I want this invalid debt removed from my credit report, and I am willing to do whatever they need me to do to prove it 's not valid. 

The first company XXXX has also not been fair. They said someone signed a lease UNDER MY NAME completely online. That does n't even make sense, no real way to verify. When I offered to drive to XXXX to show my ID and prove it was never me they said they did n't keep any kind of camera or records like that. I never lived in those apartments and I DEFINITLEY never signed a lease it was fraud. They only tell me they ca n't look into it further and I have email correspondence with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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: Checking or savings account

In late XXXX we were suddenly unable to access our joint savings account at Citizens Access. My husband and I could log in, but it said, " you have no account. '' At first I thought our account had been hacked, but I called and the agent could see our account was intact. They said to wait a few days and we should be able to access our account as normal. 
That was a month ago. 
We can still not access our account or funds. We can not see any statements or documents. 
We called Citizens Access again XX/XX/2012, XXXX and XXXX. Each time they apologized and said it is a technical error and they opened a ticket and they were working on it. But no resolution. 
The last time, my husband demanded they at least email us a verification of deposit so we can prove we have this account, because we can not even see the balance. They emailed us that paper, but now it is XX/XX/XXXX and we still can not see the account as of today. 
Please help. Citizens Access has done nothing to correct this problem. 
We feel as though Citizens Access has stolen our money. 
I understand that Citizens Access is owned by Citizens Bank, which is owned by Citizens Financial Group , Inc .
Product: Credit reporting or other personal consumer reports

XX/XX/year> the company oportunprog reports a charge off and late payments on my credit report, if the account is closed and a charge off then by law its not supposed to report negative on my credit reports
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Charged off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} Late/Closed XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$12000.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$2400.00} Collection XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed
Product: Credit card

Accounts was paid in full. Bank did not processed check in a timely matter and they report my account as delinquent damaging credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

Venmo froze my account over a month and is holding {$920.00} and not allowing me to access the money. They claim I have violated PayPal policies but have not given me any explanation to what has happened or why it remains frozen. A request for to be contacted was sent XX/XX/XXXX with a response stating that it was escalated to another department and would take 6-7 days to resolve. I sent a reply to that email with no response and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts and inaccurate address which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts and inaccurate address which is found to be opened due to identity theft. The dispute accounts and inaccurate address do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts and inaccurate address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  Balance : {$1100.00}
Product: Checking or savings account

I wasnt sure how to code it but my account with chime was hacked and I put my account on a temporary suspension because of it and I have over XXXX in the account now they will not remove the suspension for some reason its been almost a week of me constantly bugging them ... can you please help me my name is XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, Experian, and XXXX. The discrepancies between the information reported by these bureaus, along with XXXX 's documented history of inadequate investigation practices, necessitate immediate attention. 

Key Discrepancies in Reporting : XXXX : Account Status : Indeterminate. 
Payment Status : Payment after charge off/collection. 
Last Reported Date : XX/XX/year>XXXX 
Comments : Purchased by another lender. 

Experian : Account Status : Indeterminate. 
Payment Status : Charge-off. 
Last Reported Date : XX/XX/scrub>XXXX XXXX XXXX No account details reported for this account. 
Grounds for Dispute : Incomplete and Inconsistent Reporting : The account is inconsistently reported across XXXX and Experian, with XXXX failing to provide any details. This raises concerns about the accuracy and completeness of the data being reported. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, all information furnished to consumer reporting agencies must be accurate and verifiable. The discrepancies between the bureaus demonstrate that this requirement is not being met. Additionally, XXXX 's lack of reporting on this account highlights a failure to maintain a complete credit file. 

XXXX XXXX XXXX Investigations : XXXX has a documented history of conducting " sham investigations '' into consumer disputes, including a recent case where the company failed to conduct reasonable investigations into consumer complaints, as required under the FCRA. This calls into question the validity of any automated or cursory reviews XXXX may attempt in this instance. 

Resolution Requested : Provide a thorough and detailed investigation of the discrepancies outlined above. 
Verify the accuracy of all reported data, ensuring alignment across all three credit bureaus. 

Remove any inaccurate, unverifiable, or outdated information regarding this account from my credit reports. 

Provide me with written confirmation of the actions taken as a result of this dispute. 
Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If you find that the information can not be verified, it must be promptly deleted or corrected. 

Supporting Information : I have enclosed copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies for your reference. 

Failure to address this matter accurately and within the legal timeframe may result in further action, including filing complaints with each state AG and pursuing legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

XXXX from XXXX XX/XX/XXXX transaction was done by me from my XXXX  account, through western union to XXXX overseas bank XXXX, XXXX It is already 12 days my money not yet received to my fathers account, i spoke to them western union customer care they told it is already successfully processed but until now my bank did not received money, i tried lot of times to reach western union customer care they are not picking up the call, i am in the emergency situation to pay my XXXX to bank, so kindly follow them to pay my money back assoon as possible..
Product: Credit card or prepaid card

We had purchase furniture from XXXX XXXX we were not satisfied with the furniture and tried to return the furniture to XXXX. When we tired to return the furniture XXXX XXXX would not accept the furniture despite their 100 % satisfaction guaranteed or money back. We filed a Dispute with Wells Fargo credit card. Wells Fargo looked into the claim or dispute, After 3 months of waiting Wells Fargo claimed they tried to get in touch with me with the denial of the dispute on XX/XX/XXXX. I did not know of any attempt of getting ahold of me. I then did not notice the claim was denied until XX/XX/XXXX when I got a credit alert thatvi was over my limit and it was denied. I called Wells Fargo and they had told me that it is pass the date of which I could dispute the denial, I had told them that they did not contact me and I knew nothing of this. I also have noticed that my initial credit line was {$7000.00} used their credit card for furniture disputed the purchase they credited back to me my purchase during the dispute, gave me only a XXXX credit limit, the dispute was denied my credit limit is still at XXXX and it says that I have an outstanding balance of {$10000.00} there for putting my credit at a even worse over limit I have been making regular payments I have tried to contact credit dispute department of Wells Fargo. They have told me that they are putting it to escalation to see if there's anything else that can be done. XXXX XXXX well not accept the return of furniture, claimed they did not receive the return of the furniture which is why Wells Fargo deny the dispute. Outside of leaving the furniture outside of their store there was no way that we could return furniture they would not accept it yet they told Wells Fargo that they did not receive the furniture which is why Wells Fargo denied we have no problem in returning the furniture. To get this resolved if need be we would gladly leave said furniture in front of the store. We also refused a backorder piece from XXXX XXXX. We didn't want to receive any more product from them and it would of been incorrect to accept it. Therefore XXXX XXXX is also responsible for another piece of furniture we did not receive.
Product: Mortgage

Financial Institution ( PHH ) offered a new modification XX/XX/XXXX, after a year & a half struggle to get my house refinanced. Was end of term on loan & PHH would not work with me on payments, which caused my credit score to go down & PHH was adding monthly fees & interest- my credit score ensured that no other finance institutions would work with me. When new modification was finally achieved, all delinquencies should have been removed & since then, all my payments have been on time - the first few, I had to mail & remaining payments have been done via phone. A delinquency of 180 days is still showing up on my credit report for PHH, which is keeping my credit score from going back up. I am disputing this here, as this is WRONG information & is indeed fraudulent.
Product: Credit card

I was laid off due to COVID-19 and contacted CAPITAL ONE for assistance on monthly payment. They closed the account and reported the account as delinquent. I contacted them to start pay for delete process. I paid off the collection and after waiting a few months I contacted them to see what other steps I needed to take to get the delinquency removed from my credit. Their representative advised that it would not be removed and it was never a pay to delete process. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic.
Product: Credit card

I believe the account is invalid. VyStar Credit Union ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.VYSTAR CU XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.