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

I have been using Venmo for awhile now and i have a account hooked up to venmo which allows me to instantly send my money from venmo to my main account. XX/XX/XXXX for some unknown reason which they havent told me why, i was unable to cash out instantly. My option would be as follows ... .1. Venmo it to another person i know on venmo and have them send it to my main account. 2. Opt for regular bank transfer which takes 3-5 days. 3 go to atm and take the money off my venmo account via their debit card. When i called them i had told them i was just at the atm and it wouldnt let me get money out. So i was transfered to someone and she said ok its fixed you can get money from the atm. Well i went again to try and it still wasnt fixed! I called back only to have them tell me they couldnt do anythinf about it, i asked when will i be able to access my money XXXX a supervisor said, " I dont know! '' This is totally unacceptable. They claim they cant see what the reason is for flagging my account and when i call to reaolve it they tell me sorry cant help you, even had a representative ask me why i was trying to get my money out the atm?! What excuse me? Thats none of her business. I want my money out the atm because its MY MONEY WHAT I WANT TO USE IT FOR IS NOT HER BUSINESS!
Product: Vehicle loan or lease

Per the FCRA XXXX federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per USC 15 6802.

This car was charged off, so the company is fraudulently reporting inaccurate information and selling my information. 
Thanks, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/18 I have been receiving debt collection mail at my address for a person unknown to me. This has been a recurring event looking for XXXX XXXX or XXXX XXXX over the past two years. 
Until now I have not responded ; now I believe that the association of my address and my first name may have an adverse effect on my credit. 
The parties are : ERC, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX collecting for XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX
Product: Debt collection

CALLER CLAIMED MY RECENTLY DECEASED ( 3 WEEKS AGO ) WIFE HAS OUT STANDING DEBTS THAT NEED TO BE CLEARED UP ... ... ... PHONE # XXXX ... ... ... MY WIFE HAD NO DEBTS ... ... ... ... ... ... ... ... ... ...
Product: Debt collection

Security Credit Services , LLC has failed to prove correct date of XXXX Delinquency for an amount owed to the original creditor, XXXX and has been reporting the collection account on my XXXX Credit Bureau Report. Pursuant to the FCDBA Debt Vericiation must be furnished in order to report adverse account on my Credit Bureau Report and thus XXXX XXXX XXXX has also violated the FCRA. They have reported Experian with incorrect Date Of XXXX Delinquency. To my knowledge the date of XXXX Delinquency is in early XXXX and not XXXX XXXX as reported by Security Credit Services , LLC. 
I am demanding Debt Verification from XXXX XXXX XXXX and they must establish the following:1. Proof that the collection company owns the debt/or has been assigned the debt. 
2. A copy of a statement from the original creditor including the amount of the debt and complete payment history ( Established by XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 3. Copy of the original signed loan agreement or credit card application. 
If Security Credit Services , LLC can not furnish the requested Debt Verification or Correction, they must remove the collection account from my XXXX Credit Bureau Report. If they keep reporting it, they are clearly violating the FCRA guidelines and I have the right to sue Security Credit Services , LLC for {$1000.00} in damages in addition to court costs. 
XXXX Credit Reporting Agency, XXXX Credit Bureau also must provide " Method Of Verification '' of the alleged Security Credit Services , LLC account. 
XXXX and Security Credit Services, are both causing me financial harm by continuing to report the negative account incorrectly.
Product: Debt collection

On today   XXXX   XXXX   XXXX   a representative of the company  National Credit Systems of  XXXX  Ga  contacted me in reference to a rental property bill from  XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the  manager   XXXX   XXXX  who refused to help and was also rude. I called again to verify that the representative who called name was  XXXX   XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.
Product: Checking or savings account

Checking account fraud paying to XXXX XXXX XXXX ' XXXX  XXXX bank account through wire transfer. Recipient 's CO ID ending in XXXX. There are XXXX transactions : {$100.00} on XX/XX/XXXX, {$85.00} on XXXX, and {$100.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''
Product: Credit reporting or other personal consumer reports

I had contacted the copanies with certified letters asking for detailed billing information, signed contract with the debitor and I have yet to receive any information that included any of the following. The information is inaccurate and should be removed off my XXXX credit report as it has already been removed from my XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that, although I have written several letters, asking for validation of that, audit trail, I am not getting any responses because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report, as it is in violation of the federal Constitutional laws. 


15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1692 15 USC 1601 I am rich, I am afraid the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality and respect for the consumers privacy. I did not give consent to these accounts be published they did not have my permissible purpose.

I have remained, how old is by the dress abuse in harms that the three credit reporting agencies have done to me.
Product: Credit reporting or other personal consumer reports

closed account : partial # XXXX XXXX XXXX XXXX XXXX {$0.00} opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIENCE BETWEEN CONSUMER AND CREDITOR IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. FACTUAL INFORMATION IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a.

This is Defamation in the Libel.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. The inaccuracy is due to reporting PRIVATE CONSUMER TRANSACTIONS THAT REVEALS THE PRIVATE NATURE OF A TRUST BETWEEN THE CONSUMER AND THE CREDITOR AND VIOLATING 15 USC 1681a The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as XXXX, XXXX, or TransUnion. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on consumer report that should not be. Please see the attachment. Previously submitted complaint on, refer to complaint XXXX.
Product: Debt collection

I have an account from balance credit that I guess was bought by a debt collector- capital link management address XXXX XXXX XXXX XXXX XXXX XXXX. They have harassed me, spoke to me via email very rude, disrespectfully, and called me basically a liar about a date that I mailed a check. I have all email communications they have sent me for reference. Also they told me multiple times that as long as the settlement check was received by end of XXXX it would be acceptable as settlement. Now they are saying since it wasnt received in now they will not take it, they keep going back and fourth. And soooo rude to me. They have caused me so much XXXX, stress and no one should be treated this way. I want to get a lawyer and sue them for approaching me this way!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire transfer from my account with Digital Federal Credit Union ( XXXX ) to my daughter 's IRA account before the XXXX XXXX XXXX deadline for same-day processing. The time of the transaction was XXXX XXXX XXXX. Despite multiple verbal confirmations from XXXX that the transfer would be processed the same day, it was not completed until XX/XX/XXXX. This delay caused the IRA contribution to miss the tax deadline, rendering the contribution ineligible for tax year XXXX benefits. 

Despite numerous calls to XXXX requesting a written statement explaining the delay was due to their error, all attempts were dismissed. XXXX only provided a log of the date and time without acknowledging their fault in writing. We needed a formal acknowledgment that the delay was XXXX 's responsibility to assist with an IRA administrator 's exception request but did not receive it.
Product: Money transfer, virtual currency, or money service

account. 
I am filing a complai it against Cash App ( Block, Inc. 19 ) e to dequalt ) ustomer 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 a 0:37 was unfair and veceptive, as they if & 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 redress
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has to be the most adverse credit reporting agency of the three. Experian does not work for the consumer, but the creditor and it has been proven on many occasions. I submitted 3 dispute letters to Experian via US certified mail. The letters were delivered on XX/XX/2020 with delivery confirmation. I have not heard from Experian to date in regards to my disputes. 

I have reached out to Experian several times in attempt to resolve this issue, however, I have received no help. 

I am writing as I need immediate assistance with resolving this matter.
Product: Credit card

Just got an updated credit report and discovered that CITICARDS CBNA has evidently issued me their credit card. I have never applied for, called, mailed or sent any information to them regarding applying for their credit card, and I have never received the card I supposedly was issued. They also did a hard credit check in the process of issuing me this card
Product: Checking or savings account

XXXX XXXX has stolen my XXXX check out of my wells fargo account for 3 months now and due to this I'm now XXXX
Product: Debt collection

So I have this number XXXX XXXX XXXX XXXX calling me. He said his name is XXXX XXXX from XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX. Saying he is attempting to collect a debt from me from XXXX from XXXX XXXX XXXX. The collection agency who owns my debt Consumer ADJ CO already has a payment plan set up to be fully paid off by XX/XX/XXXX. I told that man this and he said that that company is a scam. And I owe them over {$800.00}. The original debt is {$160.00}. I told him that and he said again its a scam. And if I dont pay him now over the phone ( again HE WORKS FOR A LAW FIRM NOT A DEBT AGENCY HE SAYS so why am I paying him??? ) I am going to owe over {$2000.00}. 
I took the time to XXXX his law firm the website is clearly fake. Its just a cover page, no links, no names, just a list of phone numbers to call ( mind you the one he called from was listed ). If you XXXX the law firm and add scam at the end theres a bunch of complaints similar to mine. I call him back and told him this and he got mad and said that hes not a scam and hes going to send someone to my home address ( the one he gave me isnt my place of residence its my XXXX  apartment. My name isnt on her lease and never was so how he got that idea who knows ). He couldnt tell my where my place of employment was but he said he would send someone over there to serve me papers to show up to court if I didnt pay. 
Again I told him I handled everything and Im not paying him any type of money. I contacted the original debt collector and that I would have my {$160.00} debt paid off by XX/XX/XXXX. He insisted I needed to pay him and that I got scammed by someone else. I asked how is that possible when the company I paid is listed as the debt agency who XXXX XXXX XXXX sold my debt to? He couldnt even answer other than look up my agency. I reminded him he said he was a XXXX not a debt collector and he ignored what I said and kept going. 
Not to mention I have another number calling me saying theyre from dispatch. From XXXX XXXX. ( XXXX ) XXXX and XXXX XXXX XXXX XXXX. Both these numbers are NOT XXXX XXXX XXXX. The man calling in question is XXXX XXXX. He calls and leaves a voicemail and I call back and a woman answers saying only dispatch. I asked her to speak to XXXX XXXX and she said why. Im not sure why any dispatch would be handling stuff like this but thats the script theyre sticking to. I told her the reason and she said she not him could tell me anything about the situation. She couldnt tell me her XXXX name or phone number, wouldnt tell me her name, wouldnt not couldnt tell me what part of XXXX XXXX she worked for or if it was another county residing in XXXX like XXXX XXXX Dispatch, XXXX, etc. 
I told them I was going to report them and she kept saying she didnt know why I would do that and any simple question I threw her way she stuttered and had a hard time answering to. 

They wont stop calling me every after I told them I handled my debt. Keep telling me I got scammed by a company thats on my own credit report and not theirs. Keep asking for money even if I block the number the call me from a new one every time. 
I need and want this to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America has on my credit report XX/XX/XXXX a hard Inquiries regarding a car loan I never requested no auto loan from Bank Of America on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX
Product: Checking or savings account

My Chase CD was closed and the bank says they funded the Cd not me and they dont see where I transferred the money into the CD after they closed my account. Many bank associates told me they could see the money and when it was closed. They also informed me a check was mailed out only to find out later it was closed and no money was going to be sent.
Product: Debt collection

On XX/XX/2019 I received a bill from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. The bill was for an emergency department visit and XXXX at the XXXX Hospital by XXXX XXXX XXXX, MD. It stated that my son received the services XX/XX/2019. My son does not reside in the United States. I researched XXXX XXXX and found them to be a scam. I ignored the bill. They sent another bill a month later but then stopped sending them. 

On XX/XX/2019 I received a bill from Healthcare Revenue Recovery Group ( HHRG ) XXXX XXXX XXXX XXXX, Florida XXXX. This bill shows the same service and cost as the one from XXXX XXXX. Interestingly enough, the payment would be mailed to the same address as XXXX XXXX : XXXX XXXX XXXX XXXX, Ohio XXXX. I researched HHRG and also found them to be accused of scams. I ignored the bill. 

I received another bill from HHRG on XX/XX/2019. At this point I started researching what to do about this problem. Then, on XX/XX/2019, I received a call from HHRG. The call registered as a local number on my caller ID. The representative did not identify themselves or the company until after I insisted. Then the person attempted to obtain personal information regarding my son and myself. I refused to provide information and told the person that I researched their company on the internet and with the XXXX and that this was a scam. I went on to say that the individual stated in the bill receiving services was not even in the United States and that the physician providing the said service did not work for or with the hospital that supposedly provided the service. Then, I went on to tell them to stop sending me bills and calling. The person then disconnected the call.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Activity As a survivor of XXXX, my personal information was misused without my awareness or permission to secure credit. Consequently, there are fraudulent accounts and charges listed under my name, none of which I approved or benefited from. I am requesting your help to investigate these fraudulent activities and to take the appropriate steps to clear these unauthorized accounts from my credit history. Your assistance is essential as I strive to rebuild my life and regain financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some information in my credit file is incorrect. Unfair of giving credit results. Suspicious accounts open not authorized. Credit fraud
Product: Credit card

I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. 
They refuse to refund my money when I called to complain. 
This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.
Product: Debt collection

No contract with I.C. System, Inc, I do not owe this debt.
Product: Payday loan, title loan, or personal loan

World finance in XXXX Tennessee her name is XXXX she opened my loan up used my checking account information to pay another loan off. She then paid my loan off after it being. Open for 1 day and the. Ask if I wanted another loan I told her no she stole XXXX outta my checking acct and I still haven't got it back. That company is into fraud badly and needs to be investigated by a professional with law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full for XXXX XXXX XXXX XXXX. But my Experian, XXXX  and XXXX  credit reports showing still as unpaid. 

I am attaching here A PAID IN FULL LETTER FROM XXXX XXXX XXXX XXXX. 

I lost my current job and i received vacate notice to my current apartment, i will be in trouble with my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX kid, unless you react to my complaint ASAP. please take out that collection amount from my credit report based on the PAID IN FULL LETTER ATTACHED HERE. i am getting rental rejections based on my credit report collections.
Product: Checking or savings account

See prior complaints, eg, XXXX. I have {$3500.00} at BAC. They respond to each complaint saying they can not release secret info. I never asked for any info. I've emailed them and you sets of docs proving that the trust was a term trust which expired decades ago. My name is on XXXX XXXX XXXX. Their letters say speak to XXXX  XXXX, XXXX XXXX XXXX ext XXXX left unreturned messages for years. He finally called about XXXX mos. ago and said everything was fine, I'd get paid ( the hold-up has been that BAC lost the signature card ; not my fault ). No check. Left two more messages. So back to the usual ignore me.