23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I created a Venmo account to receive a payment, and the payment was made. I have {$580.00} in the account, but Venmo closed my account, and I cant access the money or transfer it to my bank. This has been unresolved for a year, and I dont know what else to do. 
Venmo account Venmo is a service of Pay Pal, Inc. 
NMLS ID : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Verification and validation with my full name and address as shown on my credit file and if it was a charged off account, I never received a 1099 SELF FINANCIAL/LEAD BANK XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services to XXXX, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account on from lvnv funding that was paid off that has not been taken off my credit report. This is hindering my ability to obtain credit. Can you block this following account from my report.
Product: Credit reporting or other personal consumer reports

Experian conspired with several companies to unlawfully report inquires that wasn't authorized by me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Per Capital One my checking account was compromised. The account was unable to be used on XX/XX/year>. They allowed me to take funds out while I was on the phone with them then. I explained to them that I would be getting a direct deposit on Saturday. They told me I could call about it. At that point they locked me out of the capital one app so I could see nothing. On Saturday I was allowed to get back into the app. My XXXX deposit did not show up until Monday morning when I received an email telling me it was there. Within an hour it was gone ( withdrawn ) from the original account and I have no idea where it went. After call the fraud department again they said it was transferred to a new account of which I have no numbers for or anything about it. And I am told today it could take XXXX days for this account to be ready. I want my money from them. I feel they stole my money when I have no access to it. They told me to go to a branch office but there is none anywhere near where I live. I want my money. It is not theres to keep from me. I do have the email saying it was deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The person I talked to when I settled this debt told me once settled they would delete from consumer reports XXXX, XXXX and XXXX. That was in 2021. Since then Ive been constantly denied credit and now unable to qualify for a mortgage because of this settled debt thats showing on my consumer reports incorrectly.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with Transunion, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am well aware that I fell behind on my car payments and do not need someone to tell me repeatedly about the damage it does to my credit, etc ... I am an educated person and do not appreciate condescension. I explained to my car loan company that, as a freelancer, I had the worst XXXX of my career and fell behind on all my bills for 2 months. I told them now that I was working steadily again that I would make a large payment, and I complied with that. Then I told them that I knew I was falling behind again and owed some more, but that I would need until mid-May before I could bring myself, at last, completely up to date. They said they would notate that in their system and thanked me for making the arrangement. However, they have continually called me since that agreement was made, usually up to 4 times per day. I have even answered a few times, asked why they continue calling me, and they simply say it 's the automated system and they have every right to continue calling me. But 4 times a day? I think not. I especially think not when they have said to me that they do have my agreement in their notes. What do they think? That by calling me repeatedly I will suddenly have money for them? It is absolute harassment and it must stop. They are the only place that has continually called me after having made an agreement with me. All other places accepted their respected agreements and stopped calling me. And, thus, their agreements were fulfilled and they did not need to call me again. But Ally Financial must be stopped from performing this harassment.
Product: Credit reporting or other personal consumer reports

Late payment errors on my credit report misrepresent my usual record. Please adjust accordingly.
Product: Debt collection

I cancelled a membership with XXXX as the program did not help me. It was too hard and I needed to use something more at my level of knowledge. They were happy and kindly cancelled and set my account at a XXXX balance. XXXX was taking the payments, I called them and they said they still had not received the cancellation from XXXX but that it should take approximately 30 days. I kept receiving emails for months saying I owed them money, even though the account had been cancelled and it was well past the 30 days. I called them and they said they were still waiting. They now submitted this to a creditor who is saying I owed them a ton of money, I told them I had documentation that the account is at XXXX balance, and they asked me to email it to them at XXXX. I sent them the documentation. they said it could take 30 days to review, less than XXXX went by and I received an email saying I still owed them money even though the account is at XXXX balance since XX/XX/year>, with XXXX. They reported this to my credit the same day and said they would give me a grace period to resolve it before they did this. I emailed them back and said I did not owe this money, and I was reporting it to the FTC if it was not resolved. 

The company 's name is January, the website is XXXX, the account number ends in XXXX.
Product: Student loan

Kohn Law Firm and XXXX XXXX are debt collectors who are attempting to collect a false debt against the consumer. Kohns have been served a Notice of Dispute and failed to comply with any of the FDCPA mandates. ( see, attached )
Product: Debt collection

XXXX XXXX XXXX XXXX were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with check n go, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXInquiry XXXX XXXXInquiry XXXX XXXX  - IncorrectPersonal XXXX  XXXX  - IncorrectPersonal XXXX XXXX  XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/2023 I returned a rental car ( supposed to be charged at a compact rate ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. I rented a car on XX/XX/2023 ( XXXX ) and had to return it on XX/XX/2023 for mechanical problems and I was given a XXXX. I was charged {$2400.00} ( approximately double what I owed ) on my XXXX XXXX XXXX. I bank with my student bank account XXXX XXXX and at the time, I had a - {$8.00} in my checking account. My Mastercard debit/credit card is linked to my checking account. On XX/XX/2023, I called and asked why the unauthorized charge of {$2400.00} was on my account when I had a negative balance and there is no overdraft connected or even possible with the account. I was told that because I had a positive balance ( which I did not, I had a balance of - {$8.00} that the {$2400.00} was charged to my account ). 
I have called a couple of other times because each time I called, I was given a different answer. Finally, on XX/XX/2023, I went online and filed a dispute with XXXX XXXX. 
This drastically affects any college monies that I will/may receive in the future. I do not understand why XXXX  would allow a transaction when there was no monies there at the time of the transaction.
Product: Mortgage

Early XXXX 2008 talked with XXXX XXXX at Wells Fargo Bank XXXX XXXX, XXXX NE and gave a debit card deposit of {$490.00} to " Lock in the rates ''. A few days later we told him we were going wit another bank and asked for a refund. The refund was denied as it was to be for appraisal and credit report, of which neither was done. 
We are retired and live on social security and can not afford to loose the {$400.00}. We believe Wells Fargo deceived into thinking the deposit was to " Lock In The Rate '' for a period of time, as XXXX XXXX said, " The rates are fluctuating every day. ''
Product: Debt collection

AFNI sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I also received a call from a representative at the agency and I advised that the debt was not mine that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have attached a copy of my ID Theft report and letter that was sent to AFNI certified mail.
Product: Checking or savings account

Deposited check on XX/XX/2019 appx. XXXX, {$2800.00}. 
Checking account showed available balance of that check as of next day, XX/XX/2019. I did holiday shopping, paid bills and paid mortgage on XX/XX/2019 and XX/XX/2019. XX/XX/2019 I received an email appx XXXX stating the funds were held from the check I deposited. I contacted the bank and they stated the only thing I could do is get a notarized statement from the maker stating the transaction and its details are valid. Maker of the check is on Holiday with their family and I cant find it in me to ask them to draft such a letter, get it notarized, then fax to me. Furthermore, when I contacted the bank a representative assured me that my mortgage had posted, even though I didnt see such a thing in my banking mobile app records. Now, as of XX/XX/2019, the mortgage company is attempting to collect on the wire that was already sent. I just bought my home and do NOT need any late payment history. I also spent a few hundred dollars at local stores in town that likely havent been paid yet. I have processed hundreds of thousands of dollars through my bank via paychecks over the past few years. Now Im stuck to incur the potential late payment fees? Show my face to people in my small town who thought that since my debit transaction was approved they were going to be paid on time? Live off of credit cards for the next week and incur that interest? All because I deposited a GOOD check .... the maker of the check confirmed his bank had paid the funds in full to my bank. Why dont I have my money?
Product: Payday loan, title loan, or personal loan

In XXXX a double wide mobile home was completely paid for the owner tried to transfer ownership of this mobile to myself and my daughter in XXXX. He found out the lien was never released and in XX/XX/XXXX he contacted Bank of America, after we all spent 7 months of fighting with Bank of America to release the lien on the titles, one clear title was received and transferred however Bank of America never took the lien off the second title. Until selling the property and having a closing date of XX/XX/XXXX we were unaware that this lien existed on one half of the mobile. The buyer is now wanting to walk away because Bank of America has this lien on the title and we are going to loose the cash sale, we were not able to close on XX/XX/XXXX due to this lien. I have been in contact since XX/XX/XXXX with Bank of America and am tried to get them to sign a lien release for the AZ XXXX but they are saying because it is from so long ago they need time to research in order to sign a lien release and are not getting in any big hurry to remedy this situation that they have caused. We have bill of sale for both the title documents notarized by the original owner in XXXX, he died in XXXX. Just received a letter from Bank of America XX/XX/XXXX claiming they sold the loan that was paid off in XXXX and are unable to process the request to release the lien on the half of the mobile they were supposed to have released in XXXX. They know that unless this lien was released immediately, we loose our buyer to our home. As of XX/XX/XXXX a letter was received from Bank of America regarding releasing the lien this is what it said : The number is worthless to call because you have to be current customer with an account number to access any of the numbers to Bank of America. None of the other people I finally got ahold of will call me back to tell me who they sold a paid of lien to. 
Bank of America XXXX XXXX XXXX XXXX, NC XXXX XXXX, XXXX XXXX Your home loan lien release request has been cancelled. 
Date : XX/XX/XXXX Reference No : XXXX XXXX Address : undisclosed, Arizona " What you need to know We are unable to process your lien release request because : Bank of America either sold or transferred your loan to another financial institution What you can do lf you have additional documentation or proof of payoff, please ca!! the number listed be! ow and submit a new request. 
We're here to help We appreciate the opportunity to serve your financial needs. If you need further assistance, please call us at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company name is through National Credit Systems for XXXX XXXX  XXXX XXXX original creditor balance of {$9600.00} joint account opened XX/XX/XXXX last reported XX/XX/XXXX due to a dispute I mad said it met FCRA requirements still have not received no documents/information after contacting them that violates FCRA requirements, and them sending negations offers to pay bill in full at high ridiculous unrealistic amount that would take me more then 7 years to pay regardless. I contacted them various times regarding why there are charges of {$9600.00} wanting an itemized report on how they came up with this large amount of collection. This joint account was due to other non payer during Covid-19 that lost there job. The apartment were already in not good living conditions they were for XXXX XXXX next to XXXX XXXX XXXX the amount of money is unrealistic for the apartment realistically a studio I have photo still of how the apartment looked when we moved in, and many others in that complex has the same issues with ridiculous charges made fraudulently. In the small time period I lived there two new management teams were there they could not keep management. I tried contacting the office they were unresponsive and in the middle of training new management. I contacted the collections company I have never been treated so poorly before as if the stress of a XXXX XXXX with school depth with a XXXX dollar collection during Covid -19 was not stressful enough because an old roommate was not paying his bills. I tried to explain I wanted itemized documents on how they were getting that amount of money, and possible resolution I will not be able to pay that much money my self it would just have to wait 7 years to get dropped off. I know there was a Covid-19 relief to pay renters who were unable to live there XXXX cash to move out immediately because they did not want people not being able to get evicted. They transferred me to multiple representative all harsh, and still couldn't give me information said I just had to pay it. I ask them its my right to have documentation why I owe that much money they hung up on me I called back tried to make a complaint they transferred me to the management and supervisor line went straight to voicemail I left 5 plus voicemails never got back to me. I was so upset I cried and left it alone this has been ruining my credit, and I don't have a lot of depth I'm in XXXX XXXX  struggling. Due to this my chances of renting on my own will be impossible. This company wont respond or give me information of the documents I asked for the charges are insane for those apartments there trying to exploit us on extra outrageous fees. I have seen the company 's reviews I'm clearly not the only person having this issue they have many many complaints. I have had a collection before where it was easy and handled professionally.