23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My son has had a savings account with the XXXX XXXX ( XXXX ) for over 15 years. He recently applied for an access device ( as defined by Reg E ) for access to the savings account. I am a custodial parent on the account since its inception and I signed the form for him to receive the debit card. The XXXX  pulled a HARD CREDIT REPORT on me on XX/XX/XXXX for his access device ( debit card ) on his existing savings account. I did not authorize this credit pull, and it has negatively impacted my credit score due to the HARD pull. I would not have permitted the debit card application had I known the XXXX would pull my credit report for such a request. I contacted the XXXX on XX/XX/XXXX to ask to have the hard pull removed, and they informed me on XX/XX/XXXX that they would not remove the inquiry, since this is per their " policy. '' I find at a minimum that the HARD credit pull is UNFAIR and DECEPTIVE by not disclosing this credit pull from me prior to the access device application. Please keep in mind that this is for a debit card on an existing savings account, not a new account, and there is no overdraft protection or any other credit element. At most, I do not believe the XXXX had a permissible purpose under FCRA Section 604/606 to pull my hard credit report for this activity.
Product: Debt or credit management

They gave me XXXX price but charged a different price then quoted and nothing was resolved in helping my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 41 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

I  XXXX   XXXX    XXXX  . According to my credit report this loan was opened  XXXX   XXXX    XXXX  . The original loan amount was  XXXX , and now it shows  XXXX . I did not take out this loan considering i was  XXXX  to  XXXX . Neither did my spouse. I ca lled Omni fin ance of cali and they said they no longer have this account and it was given to    XXXX   XXXX  . I called   XXXX   XXXX   to get proof of my getting this loan, i.e. signed documents and i.d . used and they say they can not provide this documentation. They said i have to ask omni of cali.   XXXX   only provided a typed pap er with my name on it and the amount, no signature or social or anything. Anyone can just type a piece of paper. Omni of cali refuses repeatedly to provide any documentation. Calling both companies repeatedly has resulted in the same problem, nobody can provide this documentation. I disputed with  XXXX  several times and they said if omni said it 's valid then they take their word on it. This is not ok in any way whatsoever. If you can not provide any signed documentation and the id used to get this loan, then take it off of my credit report.
Product: Money transfer, virtual currency, or money service

XXXX has locked me out from access to my account. They are the custodian to approximately {$250000.00} of cryptocurrency that I have acquired through their exchange. Four weeks ago they locked my account due to security concerns regarding login from an unrecognized IP address. I have submitted a support ticket and complaint as they refuse to respond to my concerns or even reassure me that my assets are safe. Their standard response email states that they need 4-5 business days to respond but I know from other reported experiences that it is very common for Coinbase to ignore their clients. I have linked federal banking institutions to provide XXXX XXXX to fund my purchases. They are holding my assets and money hostage and their INACTION is criminally negligent amd fraudulent. 
My support claim number is # XXXX I beg and plead for your assistance. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i certified mail receipt all the three credit bureau 's a dispute letter requesting to change inaccurate information on my credit report such as, add correct spelled name and removed misspelled names, remove incorrect address, incorrect phone numbers, remove incorrect employment status and add correct employment status. attached to the dispute letter was my New jersey state Commercial License, Social Security Card, copy of Birth Certificate to verify my identity with proof of address mail a copy of mailing to match the same address on my driver license. 

i contacted Experian representative on XX/XX/year> Confirmation code # XXXX requesting to check the status of my personal information being updated and i was denied incorrect address XXXX XXXX XXXX, XXXX, New Jersey XXXX from being removed from my credit report i never lived there and i demand this incorrect address be removed from my credit report immediately. thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are NOT MINE.
Product: Credit reporting or other personal consumer reports

Professional debt mediation is reporting my debt without consent There was fraud done in my name ABC Autos is Falsely reporting information I have not had any car from them since XXXX false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.
Product: Credit reporting or other personal consumer reports

I have been a vicitm of identity theft and all of my accounts were compromised and used without my authority. My reports suffered great damage because of this and I requested the bureaus ' assistance to remove the fraudulent accounts and inquiries involved in this crime. I humbly request for your assistance to delete this compromised account ( XXXX XXXX XXXX  - XXXX - XX/XX/year> ) completely from my XXXX credit report or at least get rid of the fraud charge-offs against me. XXXX and XXXX already settled this issue for me and XXXX is the only bureau that kept this from my account. Please help. I am a foreigner and was taken advantaged by your country. 

I have attached my FTC, government ID, proof of address, and social security card.
Product: Money transfer, virtual currency, or money service

I recently got venmo over a week ago and received funds on the app from a family member, once I received the funds I attempted to transfer it onto my debit card so Id be able to use it, I kept being met with a message saying that didnt work.. so I assumed something was wrong with my account. I was told I needed to verify my identity which I wasnt aware I needed to do to have access to transferring money, after I sent my drivers license for verification I had to wait atleast I day which I did. My account was finally verified I tried the entire process over I attempted to transfer my funds once again and I was brought to a message saying unable to process because your account is frozen i tried to send my money back to my family member because was use was the money to me if I literally can not even use it & I was met with the same message unable to process because your account is frozen I was confused due to me just creating my account. I immediately contacted Venmo explaining to them my account is frozen which they responded telling me I must submit ANOTHER photo of my ID directly to them, so I did. I submitted my ID and I kept calling for updates because the funds I received was for rent and I can not be late on that as a XXXX mother. Support repeated the same thing telling me I have to wait and theres nothing they can do so I did. Tuesday, XX/XX/XXXX I checked my email to a response reading XXXX XXXX, Thank you for sending us your ID. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Regards, XXXX XXXX | Account Specialist | Venmo Theyve told me XXXX things Ive violated and I havent violated anything, since the moment I downloaded the app Ive been trying to transfer my money onto my debit card because its urgent I have to pay rent and Im sure anybody else would understand the reasoning on me being so persistent. Im a XXXX mother of XXXX with little income, me being on time for my rent is the best interest for me. I can not wait 180 days thats absolutely ridiculous especially when I havent done anything and followed every protocol theyve given me.
Product: Prepaid card

they promised me a XXXX credit comp and i sill havent got it
Product: Credit card

In XX/XX/2023, I fell victim to a multi-layered scam operation run by orchestrated by XXXX XXXX XXXX XXXX XXXX using the aliases XXXX XXXX and XXXX XXXX XXXX, President of the XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my American Express account to fraudulent firm ( s ). 

XXXX XXXX reported to me that the scammers had access to my computer. They said that the only way to get rid of it was to buy gift cards. I purchased gift cards from XXXX worth XXXX USD, charged to my American Express credit card. 
XXXX said charges would be refunded, but so far have been unable to do so. 
Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
Attached, please find supportive statements, screenshots, and further evidence.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX Balance {$250.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW IS A LIST OF COMPANIES EXPERIAN CREDIT PROVIDED MY CREDIT REPORT TO WITHOUT MY CONSENT THESE COMPANIES HAVE NO CURRENT ACCOUNTS WITH ME AND I HAVE NOT REQUESTED CREDIT FROM THEM. I HAVE ASKED FOR THEM TO VALIDATE THESE INQUIRES AND TO SEND ME THE PROOF FOR ME TO HAVE. THEY REFUSE TO DO ANYTHING BUT PUSH ME OFF. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/19 direct recovery services texed my phone, my sister phone and my brother in laws phone. This same company has placed calls and left messages stating they are serving me with papers on all 3 phones 2 months prior to this text today. 
they have been told to cease and desist at least 3 times. this company keeps non stop harras this is absolutely harassment and illegal to call or text relatives. 
they sent the message t call XXXX or log onto XXXX XXXX XXXX XXXX.do? customer ID+direct or use XXXX reply stop. 

how is it legal to contact someone who is not responsible for a supposed debt and the debt was paid to the creditor and should have never been sent to collections.
Product: Mortgage

We refinanced our home at the end of XX/XX/XXXX with Freedom Mortgage Corporation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX which is owned by Freedom Mortgage provided the services for refinancing the new loan and paid the real estate tax on XX/XX/XXXX as part of the closing cost. Also, in XX/XX/XXXX our real estate tax was paid a second time from our new escrow account on XX/XX/XXXX. Our new escrow account immediately went negative for all of XX/XX/XXXX. Not realizing that our account was negative and trusting in good faith that Freedom Mortgage Loan Services was handling our account correctly sent us a Escrow Account Disclosure Statement on XX/XX/XXXX indicating an escrow shortage of thousands of dollars and increased our mortgage to an incredibly large amount to cover the negative balance and the XX/XX/XXXX real estate tax. We have sent a Notice of Error Letter directly to Freedom Mortgage with documentation proving that the real estate tax was paid twice for XX/XX/XXXX and they responded on XX/XX/XXXX verifying that it was paid twice and stated in their letter that a refund can take up to 4 weeks to process. We still have not received a refund 8 weeks later and are still making incredibly large mortgage payments.
Product: Credit reporting or other personal consumer reports

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 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear XXXX, XXXX, TransUnion I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Credence Resource Management LLC address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ph : XXXX then payment address is XXXX XXXX XXXX, XXXX, XXXX  XXXX Trying to collect on a debt that isn't mine. 
States the debt is for XXXX XXXX XXXX, however, XXXX XXXX XXXX does not use this agency for collections nor do I have an outstanding bill. When I reached out to XXXX XXXX XXXX they stated this was a scam and to not give them any personal information.
Product: Student loan

Before I start typing this message, I want to make sure that Navient does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 
I contacted Navient through CFPB in XXXX because the student loan # ending in XXXX that Navient claims I have should have been relieved under the attorney generals settlement earlier this year. Navient got back and reported that my cosigners XXXX score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. I am requesting Navient to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message.If Navient can not provide me a copy of my XXXX XXXX score showing that my cosigners XXXX score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if Navient can not provide me the proof of that XXXX score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. I will be waiting for Navient to respond on this matter. ( THIS IS NOT A DUPLICATE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Designed Receivable Solutions added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Designed Receivable Solutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

I had a care credit card account that I used for medical expenses and vet expenses. The card is issued through Synchrony Bank. I had logged in to the online customer portal to see my account balance so I could payoff the card, as I have done several times in the past already since I have had this card for YEARS. Upon logging in to my account I saw that my account had been closed. I did not request this closure nor was I informed of any issues that would cause this to happen. When I initiated contact with customer service to find out what happened I was told they closed my account due to XXXX returned payments in a XXXX month period. The first XXXX they told me about was {$100.00} on XX/XX/year> which I have no knowledge of. The second was a mistake on my part when entering the routing number. I contacted customer service regarding the returned payment and was not told anything about my account being automatically closed due to their policy. I am in the process of taking a mortgage and hope this unauthorized and unnecessary closure does not affect that process or my credit report. This is potentially detrimental to customers and it is disgusting that they do not offer any grace for human error. I was also told I was being transferred to a supervisor to speak about the issue and instead the agent ended my chat. There is no accountability or resolution to be seen for this disgusting treatment of their customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number : XX/XX/XXXX, XXXXXXXX XXXX XXXX Account Number : XX/XX/XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: 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. 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 XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

this account does not belong to me, details belowe TRANSWORLD SYSTEMS INC Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID date Delinquency XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There have been several instances of someone applying for credit cards with my informatoion but without my authorization. I have 3 hard inquiries that have shown on my credit report since XX/XX/year> including Wells Fargo, XXXX and XXXX XXXX. I have contacted XXXX and XXXX. They have reported the incidences as fraud but was told I would need to file a complaint here as well to elp clear my credit report from these inquiries.
Product: Checking or savings account

I went to the BB & T branch at XXXX XXXX XXXX # XXXX in XXXX, NC on XX/XX/2021 to close my checking account. The banker told me that she had closed my account. She also gave me {$55.00} in cash ( the remaining funds in the account ). Since then, BB & T has continued to charge me account fees, which led to a negative balance and several overdraft fees. My negative balance is now {$130.00}.