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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for my letter sent to Bureau previously and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureau responsibility. Please delete these items on my report that damages my score. THE 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

I've followed all lawful guidelines in regards to identity theft, such as I. As a victim of identity theft, I am requesting all fraudulent accounts from XXXX XXXX and XXXX XXXX XXXX be blocked and or deleted. This is my lawful rights stated in the Fair Credit Reporting Act and Constitutional rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
I have been XXXX XXXX for the last five years, someone stole my XXXX card. Remove every item, from my three-credit report, at this moment, its pretty hectic just now. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Cash net keep saying that I owed them XXXX dollars and they said the account was on XX/XX/2018 and I told them I did not get no loan from them and they still calling me and harassing me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account name : XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXXXXXX Account number : XXXX
Product: Debt collection

I filed a XXXX XXXX XXXX where my parking tickets should have been included in a special payment plan. This law firm has refused to honor these terms and refused to provide callback or email response as they claimed. Now my vehicle is at risk of being seized due to this firm breaking the federal bankruptcy laws that protect my vehicle and parking tickets related to this matter. They have been nasty on the phone and refused to transfer to a supervisor nor honor the payment plan that I was told I was eligible for.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX p.m I received a deposit into my Venmo checking account. On XX/XX/year> my Venmo account was surprisingly suspended as to the reason it was suspended has not been disclosed to me yet and it is now XXXX XXXX. I have sent in all of the required documentation proving I am who I say I am but Venmo has still not unlocked my account nor have they given me any reason as to why they suspended my account in the first place. I have bills to pay and I am going to lose my home if Venmo does not let me withdraw my funds from their platform. I have read other people 's similar stories about Venmo and I don't see how they can do this to people. have done nothing wrong for them to suspend my account and for the moment they have stolen my money because I have no way to access it. I have no way to buy my family food, I have no way to pay my bills. This is a horrible nightmare scenario and I hope and pray you all can help me with this.
Product: Debt collection

A number of XXXX ( XXXX ) XXXX called and stated they were an out of court mediator that I owed a debt of {$560.00} and that if I didnt pay it would send a process for a judge and lien and garnishment. They stated I would have a warrant out for my XXXX  if I did not comply. They called me several  times a day and when I asked for proof of debt they said they could not give me anything as they were not the original creditor and could not give me any documentation until after I paid. They said that XXXX  be taking me to court and the fees I would have to pay to keep me from going to jail or have it garnished after they were done. I said I needed to know the proof was mine because I didnt see it on my credit report. When I told them I couldnt and wouldnt pay until the debt was mine they called me XXXX  times in a row to berate me and tell me why would you lie. They said the name was XXXX XXXX but no website ( we are in XXXX  ) and they said they didnt need a website and this was the only line they had. They didnt have any identifying info they could share. They call me about XXXX daily
Product: Vehicle loan or lease

Westlake financial agreed if I surrender the car over they wile the remainder of the loan out ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem Obtaining A Credit Score With This Company
Product: Debt or credit management

This is in response to closed complaint XXXX about Americor Financial. I entered a contract with XXXX for debt settlement. I paid over XXXX a month and was told settlement would be finished after payment in XX/XX/scrub> 2024 of about XXXX dollars. Said XXXX payment was made and I heard no more unill XX/XX/year>2024 that I owed more money. If this was true why was the XXXX payment, told to me to be the lasi, for {$200.00} less that my previous payments, and no more was requested by XXXX. From last payment in XXXX until XX/XX/year>2024 I heard nothing from XXXX. XXXX said they notified me in XXXX, which i did not receive. If this was true why was the payment less in XXXX, and none requested thereafter? I think this company is trying to scam me. And they did not address the non deduction from my XXXX account or the request there of since XX/XX/year>2024. And did not explain their informing me the last payment of a lesser amount would be in XXXX 2024.
Product: Credit card

I got {$300.00} taken from my debit card account on XX/XX/XXXX. Venmo credited {$45.00} but won't credit the remaining {$260.00}. I didnt make any of these charges. 


Dispute Credit XXXX For your Venmo card transaction on XX/XX/XXXX + {$20.00} Dispute Credit XXXX For your Venmo card transaction on XX/XX/XXXX + {$20.00} Dispute Credit XXXX For your Venmo card transaction on XX/XX/XXXX + {$5.00} You paid XXXX XXXX XXXX XXXXXXXX - {$5.00} You paid XXXX XXXX XXXX  XXXX Scam. It was a fraudulent charge - {$100.00} You paid XXXX XXXX XXXX  XXXX - {$50.00} You paid XXXX XXXX XXXX XXXXXXXX - {$50.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You paid XXXX XXXX XXXX XXXX - {$20.00} You paid XXXX XXXX XXXX XXXXXXXX - {$20.00} You sold XXXX XXXX
Product: Student loan

i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent
Product: Checking or savings account

Dear XXXX, On XX/XX/XXXX, Eastern Time, around XXXX p.m., I received an email and notification from Chase Bank XXXX saying they had restricted my accounts and might close them soon because they suspected I was involved in potential fraud. They asked me to call them as soon as possible, which I did immediately. 

The first time, a female representative picked up the phone. I reported my situation to her, and she asked me to hold on for a moment to take a deeper look. I waited for about XXXX minutes but received no response, and she hung up on me. 

I tried a second time. A male representative picked up the phone, and I explained my situation again. After he got my account information, he simply told me that Chase Bank wanted to end their relationship with me without any explanation. I asked him to provide more information, but he refused and also refused to transfer the call to his supervisor. 

I decided to go to the branch in person on the morning of the XXXX. They still decided to end their relationship with me and wanted to take XXXX XXXX of the money out of my Chase Bank account, meaning I could only get back half of my own money, which is {$1500.00}. 

I have been using Chase Bank since 2016, and this is my first time facing this situation. I have always maintained my account responsibly and used it for legitimate purposes. I use Chase to pay tuition and rent, which is even more than what I currently have in that account. Recently, because of moving to a new location, I have been selling a lot of my personal second-hand bags, clothes, and furniture online. Many of these items were already sold, and the buyers sent the money to my Chase Bank account using XXXX. 

This situation is causing me significant XXXX  and inconvenience. I rely on my Chase account for essential financial transactions, and the sudden restriction and potential closure of my account without a clear explanation or opportunity to resolve the issue is deeply troubling. Additionally, the prospect of losing XXXX XXXX of my funds is unjust and unacceptable, as these are my hard-earned savings and proceeds from legitimate sales.
Product: Debt collection

I 've gotten repeated voicemails for a distant relative with a different last name, who has never lived at my address. The company says they are Ally Financial. I 've never done business with them or ever heard of them before this. They called my daughter on her work phone and my son in the XXXX XXXX XXXX. They 've never done business w Ally nor lived with the person Ally is calling about. I most recently got a voicemail at XXXX today, even though I blocked their number on my cell phone. 
I do not use private unscrupulous lenders such as this company ... i looked them up online ... i only ever use highly rated credit unions and banks. I 've mentored those with credit issues when I was a XXXX XXXX and deplore the tactics used by companies like Ally. I want them to be punished to the fullest extent of the law. And they better never call me or my kids ever again.
Product: Student loan

National Recoveries , INC. is the collection agency assigned to my defaulted Fed Student Loan accounts. My XX/XX/XXXX tax refund was offset to the amount of {$2000.00}. When I contacted National Recoveries, INC. on XX/XX/XXXX, they advised me to contact the " XXXX XXXX XXXX '' with the US Department of Education so that I could request a return of my tax refund. On that same day, XX/XX/XXXX, I requested a " hardship packet '' be sent to me because I am facing an eviction, have been served a " notice to vacate '' and according to their requirements stated to me over the phone, would unofficially pre-qualify to get my tax refund returned to me.

It is now XX/XX/XXXX  and I have yet to receive the hardship packet.

I was told that if I did not receive the hardship packet by today, the issue would be escalated but I have no proof or have received no correspondence that that has happened. I have eaten a minimal amount of food and have fallen further into financial trouble. The " XXXX XXXX XXXX '' is really a contracted company called XXXX, and each employee I spoke with over they phone misrepresented themselves as Department of Education employees. Those XXXX   employees are XXXX ( Employee ID : XXXX XXXX ), XXXX ( Employee ID : XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX   ) and XXXX ( XXXX XXXX  ). All of these employees also stated my current balance at greater than {$23000.00}, which is incorrect.

Also, the website ( myeddebt.ed.gov ), the " XXXX XXXX XXXX XXXX '' website, was offline until today. XX/XX/XXXX.

The XXXX XXXX XXXX also misinformed me about a contact email address. They stated that there was none however, an Official US Department of Education employee names XXXX XXXX, who is a business analyst with the call oversight team, provided me with an email address for them. It is XXXX.

I have made numerous requests, numerous phone calls and have wasted hours of my life trying to compromise with National Recoveries , Inc. and the department they referred me to on XX/XX/XXXX, the " XXXX XXXX XXXX '' or XXXX located at XXXX XXXX XXXX, XXXX, TX. They have intentionally drawn out this process and also, have not had a complaint official or any US Department of Education employee on their site. I asked to speak with one and they only provided me with XXXX  contracted employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting Status " paid as agreed '' on XXXX  and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; TransUnion Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX  XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit report.
Product: Payday loan, title loan, or personal loan

On two occasions Lending Club received from me a payment for {$460.00} instead of the correct amount of {$460.00}. They rated these payments as LATE and assessed a {$15.00} XXXX XXXX Dollar ) Late Fee for XXXX cents. I think this is a total outrage and if it is not unlawful I can not see why it is not. On XX/XX/XXXX Lending Club received my check payment of {$460.00} and called me to say it was LATE because I did not include the LATE FEE charged for XXXX CENT ERROR. I enclosed a letter a copy of which follows : I am old and copy last payment. This is how it happened twice. Please do NOT consider my account late due to this. You are truly AWFUL to deal with and I have been a very good customer for quite a long time. I am today mailing {$460.00} by first class mail. In time past you never sent an email with actual payment due and it was somewhat difficult to look up. You have corrected this but only to PUNISH your customers. You are AWFUL. IMPROVE. Here is the history which includes the pair of incorrect payments and the fees : ID Date Description Status Amount Hope you 're doing well. We all have a lot going on, so we wanted to remind you that on XX/XX/XXXX your payment of {$480.00} is due. If you have already contacted us or sent in your monthly payment, you 're all set! XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$15.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} Balance Overview Loan Status Late ( 16-30 days
Product: Money transfer, virtual currency, or money service

Downloaded Venmo App, loaded 2 credit cards, XXXX XXXX XXXX. I have made NO payments nor has there been any activity on the Venmo account. Venmo sent me an email stating my account was frozen & I was in violation of the user agreement. Called the company & they would not disclose why. Emailed the company & have not received a response. Account is still frozen.
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 process 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 financial loss, and I seek appropriate redressK for these violations.
Product: Debt collection

group stalking used for illegal collection in a foreign country using XXXX party EM Harassment included Please see files for details
Product: Debt collection

Account number XXXX XX/XX/year> the account was open. XXXX XXXX XXXX XXXX. Law offices XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX phone XXXX. Please get this removed for my credit report I have no knowledge of this I tried to dispute this so many times. Thanks in advance. I SENT THEM IDENTY THEFT PAPER AND ALL BUT IT'S STILL NO CHANGES ON MY CREDIT REPORT.
Product: Debt collection

Jefferson Capital keeps trying to collect on a debt that is for XXXX XXXX  I have never created an account with them nor have i ever been
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has reported a credit card on my report as a charge off. The first delinquency was in XXXX  and the account is now listed as a charge off. They recently on XX/XX/XXXX reported to Equifax a comment added Variable/Adjustable Rate . Equifax dropped my credit score by XXXX because of this comment. There is no variable or adjustable rate, this is a charge off. This account is not accruing interest, its not an active card that can accrue issue. Reporting this comment to an account that is no longer active is illegal and inaccurate. They have already added that it is a charge off which allows my credit score to drop. Adding this additional comment allowed my credit score to drop even more. This is account is charge off written off as a loss there should be no additional comments added except that it is still delinquent. XXXX XXXX  also stated to me during a recent phone that they have sold my account but they have not listed on my credit report who my account was sold to and they have not notified me that my account was sold.
Product: Mortgage

We have been with this company Fay Servicing since 2015 and have been faithfully paying our mortgage which includes the escrow ( taxes and insurance ). Recently they did an escrow analysis and said that we owed them over {$7000.00} and hit us with an additional {$1400.00} to our existing mortgage. This is expected to pay for a full twelve months until as they claim that we pay them back. I have called the company over two weeks ago and spoke to manager. She assured me that the company would look into and send the escrow analysis back through. I confirmed on my end by calling my local tax government where the properties are located. I have sent the company each tax statement in which we Not only owe taxes but we have a {$5000.00} credit. I don't understand this at all and don't want them to attach this to our credit because we have fought extremely hard to get to this point. PLEASE HELP
Product: Checking or savings account

On XX/XX/2019, opened sole proprietorship business account. On XX/XX/2019, called to close account as I will be moving to a state that does not have M & T Bank branch locations. Upon attempting to close, representative first advised {$50.00} fee for early closure. Upon asking the terms, representative could not confirm if this was for closure within 6 months or 180 days ( both of which did not apply in my case ). After being placed on considerable hold, representative advised that any account closure was subject to fee of {$50.00}.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of Verification On multiple occasions I requested verification from the bureaus to which they have responded with verified ( attachment ). I have now requested for Method of Verification ( attachments ) which I am entitled to according to the FAIR CREDIT REPORTING ACT, paragraph 7 section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX and Trans union regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and XXXX XXXXXXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX for car repairs and couldn't afford it, so I was told it would be {$600.00} to pay off and that XXXX  ( the lender ) would take out {$50.00} every other week when I get paid. This started back in XXXX of XXXX. I was never told about the outrageous interest rate that is XXXX XXXX which goes far above the max of XXXX XXXX interest rate in XXXX I've been paying for almost 7 months now and they're showing I still owe around {$500.00}. When I did the math of what I've already paid, it's {$750.00}. This is unacceptable and predatory.
Product: Debt collection

The first complaint is for American Financial Solutions, they have a collection on my credit report from some kind of medical facility in XXXX, Alabama, which is somewhere that I have never been in my life, I have NEVER been to XXXX, Alabama. From XX/XX/XXXX to XX/XX/XXXX, i was in West Virginia. Please have them remove this inaccurate information from my credit reports immediately. This is not my medical bill.