23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NCB Management has placed an unlawful and improper collection on my credit report, in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, they have failed to provide direct verification or proof that the account in question is mine. Specifically, I have asked them to produce a copy of my ID, the promissory note, and my signature that would confirm I received the loan, but they have not complied. I have filed several disputes, all of which were verified through XXXX without any proper investigation. I am now demanding that the account be removed from my credit report and that all collection activities cease immediately. Account VIOLATES FCRA LAWS and TEXAS FINANCE CODE. Account is past TEXAS SOL
Product: Credit reporting, credit repair services, or other personal consumer reports

The company are breaking the law by the amount of Hard inquiries there putting in my credit report, XXXX XXXX, XXXX, have placed hard inquiries on my report on, XX/XX/2018-XX/XX/2018, and XX/XX/2018, without my permission, I've sent letters to them an the credit bureaus asking them to remove them, I never signed paperwork authorizing them to do this, could u please help me in this situation!!!
Product: Credit card or prepaid card

Capital One reduced my credit limit on my personal account from XXXX to XXXX for no apparent reason. I have never missed a payment. Always pay the balance in full. I was only notified via an email of this decision.
Product: Prepaid card

Complaint XXXX XXXX This is the letter of incarceration that I faxed to the XXXX dispute team
Product: Credit reporting or other personal consumer reports

XXXX XXXX allowed for someone to open an account online with inaccurate information. I have reached out several times with no success. This is not my account and nor did XXXX receive or perform any ID verification
Product: Money transfer, virtual currency, or money service

I use Venmo for the usual things sending money back and forth between friends, my son had actually been trying to raise money for his trip to XXXX XXXX XXXX in XXXX XXXX for XXXX XXXX and friends had donated money for him to go. Venmo kept it and still has it, luckily we were able to raise enough locally to allow him the chance for this XXXX year old boy to fulfill his dream still but they have still stolen his money raised. Making up a lie without proof of anything and refused to provide any proof saying they don't have to. Multiple threads online prove that this company does this often without reason and should be held accountable. 

XXXX XXXX XXXX Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Team Venmo
Product: Bank account or service

I went to a branch of my bank on Friday XXXX XXXX, 2015 at XXXX to deposit my paycheck. I had a question so instead of using the ATM I went to a teller. I asked my question and gave the teller my bank card and my endorsed check and she gave me back a slip. I checked the amount but I did not have my checking account number, I assumed it was correct. 
The next day I checked my account and found it was not deposited. I called the bank and explained the problem. I was told this was now a dispute and it could take as long a ten days to correct it. I tried to explain to the banker it was not my mistake and as it was my paycheck I could not wait ten days for my money, but was told sorry but there was no other recourse. If I overdraw my account they have no problems charging me fees and compounding them if I do not take care of it immediately how if it right for them to hold my money for ten days.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent a letter to ( NATIONAL CREDIT ADJUST ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( NATIONAL CREDIT ADJUST ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Product: Debt collection

Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.SLS put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.
Product: Debt collection

My original student loan was through Sallie Mae, and it was for less than {$12000.00}. XXXX XXXX, has not tried to contact me via phone, I have never received any voicemails. I have recieved two physical letters asking for over payments of {$26000.00} or telling me there will be legal action. This has also been going on even though there was a federal law passed for student debt being cancelled for several months with also 0 % interest because of covid-19. I let them know that I want to work with them but the fact that they want over twice as much as the debt I owed is scary. I need help
Product: Mortgage

Good morning, I purchased a home from Navy Federal XX/XX/17 at closing my principle and interest payments were XXXX with taxes included, after tax assessments, I now pay XXXX a month which is outstanding and the result of someones inexperienced. I putting a burden on my family, please assist me. I would also ask that you review my closing documents to see how its structured and if follow XXXX XXXX and XXXX XXXX guidelines, at the time of purchase me credit was a high XXXX and low XXXX I received a unfair rate of 4.875
Product: Credit reporting or other personal consumer reports

On XX/XX/25 I contacted Experian and informed them that there were several names listed on my credit report that were not associated with me and asked that the names be removed. Instead of removing the names the representative changed the names to match my legal name. This impacts me negatively should those names have accounts not associated with me ; Experian disregarded my request to remove those names, as they are not associated with me. They illegally changed information to keep it on my report. I want the names removed and not changed to mirror my legal name
Product: Credit reporting or other personal consumer reports

vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX  XXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around s and then evrything goes from baf to worse inquirires on 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
Product: Credit reporting or other personal consumer reports

I received a letter from Capital One and that alerted me to run a credit report, and I found that my credit was ran without my consent,
Product: Debt collection

I received a letter on XX/XX/XXXX stating I had a debt with XXXX XXXX for a loan I supposedly took out in XXXX. I have identity theft and fraud and was able to contact them today. I was told the original loan was for {$600.00} and I now owe {$1200.00}. I asked if she could send me validity of the debt and I have yet to receive anything. The company that this debt was apparently assigned to is Midwest Fidelity Services, XXXX and spoke to a XXXX today XX/XX/XXXX. I have two police reports, one in XXXX XXXX where the fraud originated and one in South Carolina where it has continued. I have tried to call XXXX XXXX on XXXX and they do not show any debt ever taken out by me. My only presumption is that since the debt was sold to Midwest.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at ALLY FINANCIAL This letter is in reference to a late payment with the account number XXXX. 

XXXX of 2015 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills. 
I have since gotten back on my feet and brought my account up to date with your company. 
I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 accounts 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 these accounts in my credit record that came about due to an alleged fraud or extortion. 
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

CHARGE OFF ACCOUNTS AND COLLECTIONS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE.VIOLATIONS! 
COLLECTION IS A CLOSED -ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

APR for this loan is XXXX -- -Finance charges are XXXX from Bigpictureloans . As of XX/XX/2017 they would have taken XXXX from my account and I only borrowed {$450.00} and each time a payment is taken the PAYOFF AMT goes up. The current payoff amt is XXXX, this is just a rip-off -- -please help! This was explained to me as an installment loan -- NOT a payday loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.
Product: Credit reporting

TRANSUNION has provided clear and convincing evidence to the CFPB that they do not intend to adhere to the FCRA " 30 DAY DISPUTE RULE '' .TRANSUNION IS AN UNCONSCIONABLE LAW VIOLATOR AND SHOULD BE FORCED TO ANSWER TO CONGRESS about staying in business as lawbreakers. 

***CFPB XXXX was cutoff above in original dispute case no.
Product: Credit card

On XXXX XXXX, Capital One charged me the annual fee of XXXX dollars, and the next days closed my Venture XXXX CC without warning and refuses to give me the roughly XXXX of points which I had accumulated on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them to remove them I have contacted the bureau about when will they remove the info that was requested to be removed and all 3 bureaus told me that the removal of account or account info is not done on there end so I contacted XXXX XXXX XXXX and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.
Product: Debt collection

This company has changed dates with this account. This account has disappeared and reappeared on my credit file. This company is fraudulently reporting incorrect data on this account and negatively reporting it to my file.
Product: Credit reporting or other personal consumer reports

CFPB LETTERS FOR CRA AFTER ALREADY COMMUNICATING NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. the interest rate is excessively high or was increased unexpectedly, it is an unfair or predatory lending practice. 
the terms of the interest rate were not clearly disclosed and rate was increased without proper notification or for unclear reasons, If not resolved, I will sue for damages.
Product: Credit card

Billing error according 15 USC 1666d and the treatment of my credit balance reported to the three credit reporting agencies.
Product: Payday loan, title loan, personal loan, or advance loan

I was charged three times the original rate I would like a refund I will never stop asking, stop your fraudulent advertising XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

On XXXX/XXXX/17 I withdrew from my checking account {$300.00} which left a balance of {$900.00} ... later I went to with withdraw the balance which was one withdrawal of {$800.00} and the machine say that I had already withdrawned my limit I tried again to withdraw {$100.00} the machine says again that I had withdrawn my limit ... I went the next day on XXXX to attempt to withdrawn funds my balance was only {$59.00} ... I filed a complaint with the bank to get my funds the bank informed me that I would have to wait 7 to 10 days while they investigate before they could credit my funds to my account ... I do believe that this is customer abuse from this institution ... I have had no funds for food, gas or to pay electric and/or mortgage ... I 'm appalled that any institution would inconvience any customer in this manner. I desperately need my funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we posted to sell a pool, we were contacted by an individual who wanted to purchase the pool. They tried to transfer the money intonour account through XXXX. They said the could not because it needed to be a business account. We were contacted through email by " XXXX '' to open a XXXX  business account to recieve the funds. We transferred the money to open it and recieved a confirmation email. Then a second email stating we needed to transfer XXXX for the taxes but that it would be returned with the XXXX with the payment for the pool. We then found out it was fraud and contacted Wells Fargo fraud dept. immediately ( claim # XXXX and XXXX ). One for the XXXX and one for the XXXX. Those claims were denied stating that it was a scam claim not fraud. Immediately we filed a scam claim ( # XXXX and XXXX ) we tried several times to submit the emails we recieved from the " XXXX '' and were told they would contact us if they needed it. They denied the claims. So we submitted the claim to customer advocacy, claim ( XXXX ), we stated that the scam dept never took our evidence. They denied the claim stating that the cases were already closed and there was nothing they could do. They also would not accept our evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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: 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and TRANSUNION continuous to side corporate scam, abuse of power, in conspiracy with big corporation and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX XXXX XXXXXXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX 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