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

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), Early Warning, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that  XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/2994 ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Mortgage

I have a VA loan with Caliber Home Homes based in Texas for my primary home. I received a Uniform Residential Loan Application on XXXX XX/XX/2020 with all of my personal information ( soc security number, date of birth, home address, loan amount, type of loan ) in the mail, signed and asking me to initial and sign for an UNAUTHORIZED refinance I did not consent to. I have received numerous phone calls ( 4 in one day ) from different phone numbers followed by emails XX/XX/2020 on a consistent basis from XXXX XXXX at Caliber home loans ( almost harassing ) in regards to refinancing my VA home loan with Caliber Home Loans. I have not inquired nor given consent for contact about a refinance loan. As a military veteran this is appalling that a company would try to take advantage of consumers, trying to force and obligate them to any unwanted or solicited refinance, products or services. I have contacted the company several times asking them to remove me from outgoing solicitation for refinance, no resolve.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : IQ DATA INTERNATIONAL Account number : XXXX
Product: Checking or savings account

I am writing to fie a complaint agaist Navy Federal Credit Union regaurding mulitiple overdraft fees i have incurred. Despite having sufficient funds when the transactions were authoirized, i was charged fees due to lagging postings of charges and credits. this issue aligns with the recent CFPB findings agaist Navy Federal for similar practices, where transactions settld with insufficient balances despite initially avaible funds. i believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

INQUIRY
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
THESE PERSONAL INFORMATION IS INCORRECT:

-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

In XXXX some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX  credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only Experian not XXXX or XXXX they XXXX the total wrong information and ask me To get police reports I did fill like 4 times but still remains
Product: Money transfer, virtual currency, or money service

This is in regards to my Venmo account being frozen since XXXX XXXX. When my account was frozen, Venmo did not notify me or indicate any reason why it got frozen. Once I noted it was frozen, I reached out to customer support and they informed me that I needed to verify my identity and submit documents to them. I sent over the documents right after the discussion and on XX/XX/year>, I received an email stating my account is opened again. Then on XX/XX/year> I was contacted by a Venmo account specialist stating my account is permanently deactivated and that I am not allowed to use Venmo anymore. I was not ever informed what I did wrong or why I am banned from Venmo after asking multiple times. I have not been able to use Venmo or create another account since. 
If there was any fraudulent activity that was out of my control due to multiple account being hacked along with my XXXXXXXX XXXX I also reported identity theft to the police with the police report due to multiple bank account and credit cards getting hacked. I have been trying to find answers by calling support numerous times, but no one has been able to provide me with a clear and specific reason as to why my accounts were shut down. 
I have struggled for years not being able to make Venmo payments and this has put me in some of the worst positions because that was my only way of payment to people and it was taken away from me due to something that was out of my control. 
To this day, I have not received any answers and have contacted multiple people to help me restore my account. This is completely wrong and unfair and I do not appreciate the lack of communication as well. 
I hope to have my account restored or be eligible to use Venmo again. I have never done anything that was fraudulent or with ill intentions.
Product: Money transfer, virtual currency, or money service

Its a follow up on pervious case XXXX The case is about a fraud case. USAA responded to me confirmed me that the bank account I sent money to didnt exist at all, so the scammer gave me a wrong number which is a good news to me. From my side XXXX XXXX said the intermediary bank confirmed my money has been sent to USAA bank. If the recipient and information is not correct, the money should be refund to my account, however its a month already, USAA bank didnt response to XXXX XXXX enquiry, nor refund the money to me. So now USAA bank is holding my money. 

Here are the transactions details : XXXX XXXX USD XXXX XXXX XXXX USD XXXX Recipient name. XXXX XXXX XXXX XXXX hope this will help USAA bank to locate the transaction in enquiry and response to XXXX XXXX immediately, and then refund the money to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There has been inaccurate information on my credit report stating that I had a late payment. I have never been late on paying XXXX  XXXX this is fraudulent that XXXX have been exposed in the Equifax data XXXX. I have mad multiple attempts to Equifax to dispute this or demanded proof and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts and credit inquiries listed on my XXXX and Equifax credit report are all fraudulent, unauthorized and the result of identity theft : XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX  XXXX/XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries that appear on my credit report. I do not recognize or authorize these inquiries, and I believe they are the result of a recent data breach. My personal information was compromised in the massive XXXX XXXX XXXX breach that occurred in the United States, where XXXX XXXX consumers ' information was leaked and sold. 

Upon reviewing my credit report, I noticed several hard inquiries that I did not recognize and certainly did not authorize. These unauthorized inquiries are likely a result of the data breach and must be removed immediately to prevent further damage to my credit. 

Below is a list of the unauthorized hard inquiries and their corresponding dates that I am disputing and requesting to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To support my claim , I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report. Additionally, upon checking the XXXX XXXX XXXX XXXX site, it was determined that my information was leaked and sold. I have also attached a screenshot from the site as further evidence. 

I am demanding that these unauthorized hard inquiries be deleted from my credit report immediately. I request that you notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the corrections have been made. 

Please address this matter with urgency and respond within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Should you require any further information or documentation from me, please do not hesitate to contact me.
Product: Debt collection

Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed 6-7 times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. XXXX XXXX XXXX is the same company as LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )
Product: Debt collection

" Wakefield & Associates '' out of Colorado contacted me on XX/XX/2020 at XXXX MDT, over the phone. I asked them for information so I could go ensure they weren't a fraudulent caller ( their companies name, mailing address, etc ) and then looked them up before calling their XXXX number at XX/XX/XXXX XXXX MDT. 

I spoke with a gentleman and requested they send me a written debt validation notice, as I had not received one up to that point. I turned out they had the wrong address, so I provided them with my updated XXXX and was told they would send me written verification. 

On XX/XX/2020 I received a call from XXXX from " XXXX '' who identified themself as a employee of Wakefield & Associates. I informed XXXX I had not yet received a debt validation notice after my previous conversation with them, and they told me that there " had been an address correction '' though " they had not yet sent a validation notice ''. It's been well over 5 days, going on 30. I told them I feel they have not acted in good faith and that I want my written validation notice as is my right ( under the FDCPA )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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 reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and needs to me resolved ASAP!
Product: Vehicle loan or lease

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 a personal credit card account opened at XXXX on XX/XX/XXXX an auto loan account opened at Exeter Finance on XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The afore mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Truist Bank offered {$500.00} with some conditions for anyone who opened a qualifying checking account. A week after my account ( as well as many others ) had opened their account, we all received an email stating that we did not meet the criteria for the bonus and that we would not be eligible to receive it. The web portal they directed to stated the reason for why I did not qualify was because " the checking account was closed before qualifications were met. '' I did not initiate the account closing, nor did any of the others. Truist on its own decided to close everyone 's accounts during the promo period effectively breaking its own terms & conditions of the offer. I as well as many others had to fund the account with at least {$50.00}, some have funded much more than that, not to mention the time and effort that everyone had already spent. Wait times to speak to a representative are over 60 minutes and many people are saying they've been waiting for 2.5 hours or more. They are also deleting tweets regarding the matter on their XXXX account.
Product: Student loan

I had applied to XXXX XXXX University as a XXXX. I was told that the unaccredited university was achieving accreditation within the next 3 months and guaranteed accreditation credits upon graduation. I contacted Wells Fargo for a private student loan in XXXX to obtain a XXXX XXXX XXXX. After receiving a verification of enrollment, I had personally sent emails and called XXXX XXXX University 3 days after acceptance stating that I did not wish to continue my education with this university and that any accrued expenses would be debited from my repayment at my expense. I was told that the money had been disposed by the lender and that I could not withdraw at that time and would have to contact the lender to refund tuition. I immediately contacted Wells Fargo student loan department and was told that the money was already disposed and I would have to contact the university to recover the monetary amount that was sent to XXXX XXXX University. I have been in this vicious cycle until today of an non- recovery of money for an education that I did not receive or participate in. The interest accrued on the account balance is still greater than the money borrowed for an education that I did not attend or graduate from. At no time was there any enrollment on my part or attendance for this XXXX XXXX XXXX. XXXX XXXX University was investigated by the FBI in which it had changed a school name to XXXX University. At no point was I able to recover any money or have any loans forgiven for not attending this university. 
I have achieved a XXXX and XXXX XXXX XXXX for an accredited university which I have made 100 % on time loan payments. My dispute is with a university that I had not attended. The student loans should have been recovered upon my withdraw of classes which I did not attend once and my admission of withdraw was giving within the statue of limitations. Neither Wells Fargo nor XXXX XXXX University ( at that time, closing in XXXX ) XXXX University ( closing in XXXX ) would accommodate my request to withdraw and have them money reimbursed to the lender.