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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

A buyer purchased {$120.00} worth of XXXX XXXX cookies from me and paid for them via Venmo on XX/XX/2022. The cookies were delivered to the buyer on XX/XX/2022. On XX/XX/2022, Venmo received a notification that the buyer did not make the charge and was issued the {$120.00} back. This put a freeze on my Venmo account as the money was already transferred out of my Venmo account and into my bank account. 

I questioned the buyer as to why she disputed the charge, and she informed me that her boyfriend went into their joint account and fraudulently disputed the charge because he was upset with her about a custody dispute. She informed me that she was trying to work with her bank to have the issue resolved, but she did nothing. She stated that she had to go to her bank in XXXX in person to sign paperwork in order to address this, which I believe is a lie. I don't believe she's at all attempted to resolve this. 

I've tried to work with Venmo to have my account unlocked since the dispute needs to be with the buyer, not with me. I've supplied evidence in the form of screenshots of my conversation with the buyer outlining her asking for my Venmo account information, paying for the cookies, proving we met for me to deliver the cookies to her, and her admitting the chargeback was fraudulent. Venmo will not unfreeze the account because they say they've tried to dispute it with the buyer 's bank, but the bank is in favor of the buyer and there is nothing more than can do. 

I don't believe they've even reviewed the evidence I've provided and Venmo will not put me in contact with the individual who supposedly reviewed everything to explain how they came to the determination that I am in the wrong. 

I am attaching the screenshots of my conversation with the buyer and below outlines where the evidence can be found in this document. 

On page XXXX of the PDF, it shows the buyer asking for my Venmo information which I provided to her. She also indicates that she paid the {$120.00} and I confirmed I received the payment On pages XXXX of the PDF, it shows the buyer and I speaking about dropping off the cookies. She confirms her address and also states that she is " coming outside '' to meet me and that she sees my car on page XXXX indicating I showed up and delivered her cookies. 

On pages XXXX of the PDF, I ask the buyer about the dispute for {$120.00}. When I asked her why she is disputing the charge she responded that she " didn't [ p ] ut it in. '' On page XXXX of the PDF, she states that her " ex called [ her ] bank and [ p ] ut a freeze on some of [ her ] transactions '' and that she is " trying to contact the bank. '' She goes on to say that she is working with her bank and on page XXXX of the PDF says she needs to " go down to XXXX for [ her ] bank to talk to them and sign papers to try and get this fixed. '' This proves that the chargeback was, in fact, fraudulent. 

On page XXXX of the PDF, I've included a screenshot of my Venmo account indicating that she made the {$120.00} payment and marked it as " cookies '' indicating she was fully aware of what she was paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX, XXXX and TransUnion have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with 3 credit bureaus. This account was opened fraudulently. I informed the Bank of the issue & provided them with the required documents to block/remove the account via FCRASection 605b. They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the XXXX removed from my report ASAP. Here is the name of the data furnisher & the account information. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Checking or savings account

Over the course of five transactions, money was fraudulently deducted from my bank account via XXXX transactions that I did not authorize on any device. This began in XXXX of XXXX all the way until XX/XX/year>. Over the course of these issues, I requested and received records and confirmed that the transactions were fraudulent. Huntington blamed XXXX and their security and XXXX blamed Huntington as the person who hired them. I have lost over {$900.00} due to these transactions- each to different names and none of which I know.
Product: Credit reporting or other personal consumer reports

I have 2 fraudulent inquires with XXXX XXXXXXXX XXXX and U.S BANK that are reporting to my credit profile. I believe I am a victim of identity theft. On XX/XX/XXXX XXXX XXXX someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and U.S BANK. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! Please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!! My email is XXXX XXXX
Product: Checking or savings account

Opened both checking and saving accounts based on promotions that promise XXXX dollars bonus with min XXXX deposit within 30 consecutive days. 

XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX Call more than 5 times since XXXX for confirming meet the requirement. Customer services have always told me I have met all requirements, and just need to wait. However, keep giving me new days.
Product: Credit reporting or other personal consumer reports

XXXX violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes Of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX any written instruction to furnish a consumer report. No consent is identity theft. 
A collection was put on my account from Kingston data and Credit and I do not and never had any affiliation with this company. 
Furthermore, XXXX violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. Fairness, impartiality and a respect for my right to privacy was not extended to me. You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.
Product: Credit reporting or other personal consumer reports

Name and address is incorrect Information.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens March 27, 2023 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies thats reporting on my report are : Santander Consumer USA XXXX for the amount of XXXX I have files a complaint with the credit bureaus and the FTC and the companies are reporting accounts that are fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wouldn't help me to verify inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I do n't recognize and I ask the agent to remove the unknown inquires
Product: Credit card or prepaid card

I had several credit cards with Synchrony Bank and ever since the start of the pandemic, they have lowered my limits and eventually closed almost every account. The letters state that I have too much usage on my accounts ( these are my student loans and that is not something within my control ) as most of the credit cards with them have always been paid on time and the balance was {$0.00} when they were closed. All of the reasons they stated for closing were there when I was first approved for credit cards with them. So for them to use it against me when it was on my credit report ( not much has changed on it ) when they approved me is a lie. I have noticed that if I keep a balance, they do not really touch the cards. It is when I start paying them off that as my balance decreases, so does my limit. Therefore, it always looks as though I have high usage on the credit card since they lower the limit to around what the current balance is at the time. An example is that I can have a {$100.00} balance on a credit card with a limit of {$500.00}, so I am using 22 %. However, they then lower my limit to {$120.00} and now my usage is 91 % and then one of the reasons why they are closing my account is due to high usage. Well, they made that as such! This causes my credit score to drop! Ever since the pandemic, my credit score has plummeted due to these tactics by Synchrony Bank. They have ruined my credit that I opened credit cards with them to try to rebuild! I know that a credit card company has a right to close an account at any time, but these tactics seem very illegal and damaging to my financial burden.
Product: Debt collection

On XXXX XXXX XXXX I disputed information on my XXXX Credit report that did not belong to me. There were XXXX adverse accounts from California Business Bureau that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XXXX XXXX XXXX I received a mail correspondence from XXXX, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XXXX XXXX XXXX I logged in to my XXXX credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with XXXX on XXXX XXXX to get these items removed. I received a response from XXXX on XXXX XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, California Business Bureau that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that XXXX has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.
Product: Credit reporting or other personal consumer reports

This are unauthorized inquiries 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
Product: Credit reporting or other personal consumer reports

Experian is reporting misspelled versions of my name and will not remove them so it does not allow me to dispute any collections on my accounts
Product: Credit card or prepaid card

The last purchase that I made with my XXXX account has caused nothing but problems with my account. My payment information has been the same into my account since I had the card, however since the last purchase in XX/XX/2021. I made a payment and XXXXComenity Bank XXXXted that the payment was returned. When I checked with my bank they do not have a record that the payment was returned, when I make an attempt to add the account it states that the account information already exists. As of right now when I try to log into the website to obtain the correct payment dates it states " We're Sorry. A technical glitch occurred and your request could not be completed. Please try again. The first time they stated that payment was returned they waived the late fee, I made the payment and the next month 's payment. I then made a {$140.00} payment using the information that has always been in my account. I never received another statement and when I received a phone call from XXXX I checked my account and payment never cleared, and my bank did not have a record of a returned payment. Again this seems like it was an XXXX issue. They denied waiving another late fee and interest, and on yesterday what really caused me to file this complaint is they reported my account delinquent with the credit bureau. I demand that they reimburse for me for the interest and fees, and correct my credit report and I will never use this card again in my life. They can't say my account number was incorrect, because trying to input it again, it stated the account is a duplicate, and for the final payment to just pay the balance off in full I had to use my wife 's account in order to ensure there wasn't any issues. This went through as pending just the very next day. XXXX believes that all of their customers is making up lies, I paid all of my bills on time, and they need to look into their system. After the collections call before I made the final payment, it took forever to get to their web page, as it came up that they were bread financial I could not get into that site, and ironically I can't get in today. I have printed documents. Please scroll to the bottom on the bread financial. It is documented that there is an issue when someone tries to get into their account. If my password or anything else was incorrect, the error message would say that.
Product: Student loan

I was struggling with making payments, so I asked if it were possible to do a reduction plan for my monthly payments which I have done before. It would bring my monthly payment to {XXXX for 3 months and after making those payments, my loan would be brought current. I was able to do this one time before, so I thought that I would be able to do this option again. I was told that I would be enrolled in this option, my payments were brought down to XXXX}, except this time I was not made aware that after paying XXXX for 3 months, that my payments would be brought current. I was constantly being sent emails, and receiving phone calls that my student loan was behind in payments despite the fact that I enrolled in the lower payment program. At the time of enrollment it was never explained to me that the loans would not be brought current after making the 3 payments of XXXX  Now I'm behind by XXXX, in which they are saying I'm behind by 160 days, and if I don't pay by the end of XXXX, my loan will be sent to collections. I'm still getting collection phone calls. When I attempt to call AES which they asked for me to call at my earliest convenience, they say that there is nothing they can do for me, and then they just keep calling and sending notifications despite my attempts to talk with them and ask for assistance. I have all the corresponding documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and CB/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ), and CB/XXXX   with no successful resolution. There was definitely an error on their part.
Product: Credit reporting 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 3 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not recognized and authorized these accounts : CITI CARDS CBNA. XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I only have one name, one address, and one phone number.

Please remove these inquires and keep one name, one address, an one number. The credit bureaus did not do what I asked.
Product: Credit reporting or other personal consumer reports

This is not my account, I am a co-signer for my sister. 

The due date changed because this car was a re-purchase. The original car was returned to the dealership a week prior. Additionally, XXXX XXXX XXXX continues to report it late after promising to fix the error on all 3 reporting agencies for myself and my sister whom I co-signed for. There has never been a late payment.
Product: Debt collection

I have disputed this item with the credit reporting agency and you reported you confirmed the account as valid with a copy of a BILL STATEMENT. I asked for VALIDATION. I do not believe we have any relationship with this collection agency. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt VALIDATION not VERIFICATION, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card or prepaid card

I have a skylight pay card and they have told me I can either write a check or use the card at specified Banks or ATMs listed in there guide to obtain cash. However I have tried writing a check and taken it to Banks listed to cash the check but the banks refused to cash the check. Also I have gone the recomended ATMs to get money but instead I have been charged {$4.00} as a fee. Neither of these options am I able to get cash. Instead I have to go XXXX and buy something in order to obtain cash. I have been forced to buy useless things at XXXX which I do n't need. A copy of their guideline and transactions will be attached showing how difficult to get the money and also fees charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently, got an alert of a hard inquiry that I never authorized. 
1. ) Syncb/Walmrt PLCC XXXX XXXX XXXX/XXXX ( XX/XX/2019 ) I called Syncb/Walmrt PLCC corporate office. I was informed by a representative that my information was not in there database. Meaning that I didnt tried to apply with the company. The representative also mentioned that XXXX XXXX XXXX XXXX dont exist in their company. The representative informed me that XXXX XXXX was at fault for the miss information. I was advised to contact XXXX XXXX to sort out the miss information from their database. I emailed XXXX XXXX but they emailed me back saying to dispute the hard inquiry with XXXX credit bureau. Which, I really cant dispute a hard inquiry, with XXXX   credit bureau, unless Syncb/Walmrt PLCC directly sends a dispute on my behave. I remind you Syncb/Walmrt PLCC doesnt have my information because I never applied and they dont provide XXXX XXXX XXXX XXXX because that doesnt exists in their company. As stated previously, I just need someone to correct miss information from my credit report. 
Thank you for your Cooperation. 
Sincerely, XXXX XXXX