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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion CRA a identity theft report and letter stating I was a victim of id theft and referenced the fraudulent accounts. Under the FCRA 605B I asked that the fraudulent accounts be blocked and removed. Transunion notified me by mail that they were not going to honor my FCRA 605B request because they have determined that my request has either a ) been done in error b ) is a misrepresentation of material fact c ) you have obtained possession of good, services, or money as a result of the transaction issue.

I see no evidence that they have, for example, asserted that I have made any material misrepresentation. Transunion has not shown that my id theft report contained a material representation before they can legitimately decline to accept my id theft report.

I see clear basis for violation of the decline provisions under section 605B ( c ) and further indication of willful noncompliance, which subjects them to actual and punitive damages, and legal fees pursuant to FCRA 616.
Product: Debt collection

I was renting an apartment from a complex called XXXX XXXX XXXX in XXXX, TX. I was required to pay my first and last months rent up front. I gave them my 30 days notice when they gave me my renewal notice on the last month of the contract. Now I have debt collectors calling me saying that I owe the complex {$2600.00} for breaking the lease, even though I did n't break the lease at all. The only reason I put in my 30 days notice to leave at the end of my contract was because of the lack of promised amenities, such as pool and office, and the apartment units not being up to code. ( I.E. black mold, faulty electrical outlets, rotting balconies, sliding doors that would not lock creating security issues, maintenance said there was nothing they could do about, neighbors roof caving in, etc ).
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a mortgage with Countrywide. It was later taken over by Bank of America. During the mortgage meltdown we started a home modification with B of A. They set up the payment schedule and contract which we agreed to. We thought that what we had entered into was the actual modification. We were later told that it was only the pre- modification and that if we made our payments on time then they would proceed with the Home Modification. They tried, with every trick in their book, to make us fail during this period. When we did n't fail they had no choice but to put us into a regular Home Modification Program. Here 's where the problem lays. Between the pretrial and the actual modification B of A tried to accelerate a foreclosure on our property. We started getting foreclose notices stating that XXXX XXXX was selling our property. We had real estate people knocking on our door. We had to fight with B of A to get this situation cleared up. The OCC went after them. We received a small settlement for our troubles. That brings us to the problem that is still existing. We went to refinance out house and this is still showing up in our credit report. I would like them to resolve this situation once and for all.
Product: Debt collection

Debt Collector : Vance Huffman Associates Reported Amount Owed : {$150.00} Dispute Timeline XX/XX/year> : Dispute mailed to XXXX and XXXX. 
No contract with this debt collector. 
Requested proof of debt ownership and authority to collect or deletion of account. 

XX/XX/year> : Second dispute mailed. 
Reiterated no contract with this debt collector. 
Requested proof of authorization to collect and proof of investigation or deletion of account. 

XX/XX/year> : Third dispute mailed. 
Disputed account again ; noted deletion from XXXX but not XXXX. 
Requested deletion from XXXX if documentation not provided. 

Violations of Federal and State Laws Federal Violations : 1. FDCPA : 15 U.S.C. 1692g ( a ) : No written notice within five days.

15 U.S.C. 1692e ( 8 ) : Reporting false information.

2. FCRA : 15 U.S.C. 1681s-2 ( b ) : Failure to investigate disputes.

Louisiana State Violations : 1. Louisiana Consumer Credit Law : LRS 9:3562 : Reporting incorrect debt without validation.

LRS 9:3571.1 : No required information before reporting debt.

Intent to Exercise Legal Rights I know my rights. If the account is not removed from XXXX or documentation is not provided, I will pursue legal action against Vance Huffman Associates for : FDCPA Violations : No validation, no notice, false reporting. 
FCRA Violations : Failure to investigate disputes. 

Despite multiple disputes, I received no requested information. The account was deleted from XXXX but not from XXXX, violating my rights. All requested documentation should be uploaded through government channels due to legal reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}
Product: Credit card or prepaid card

We reported a fraudulent charge, to KeyBank Fraud Services, of {$3000.00} on my KeyBank credit card in XXXX of XXXX. The charge was listed as being a " convenience check '' cashed for {$3000.00} and carried a " convenience check fee '' of {$120.00}. The KeyBank Fraud department was unable to provide a digital copy of the cashed check, to confirm signature, but informed us that it was written to a XXXX XXXX for home improvement. Suffice it to say that we do not know a XXXX XXXX and we have not been undertaking any home improvement projects. We live in a rural mountain area outside of XXXX, CO and our mailbox is in a row of boxes along XXXX XXXX XXXX about XXXX mile from our house. During the pandemic, we did experience mail being stolen from the box, so I suspect that the " convenience check '' was likely XXXX of those that banks send, as a promotion, to transfer balances, etc. 
KeyBank issued a " provisional credit '' to my account on XX/XX/XXXX and sent me various instructions to follow-up on the fraud, including an affidavit that needed to be notarized, etc. They then reversed the " provisional credit '' on XX/XX/XXXX. The KeyBank paperwork, including the notarized affidavit, was mailed and e-mailed to KeyBank Fraud Service on XX/XX/XXXX and assigned case # XXXX. Nothing happened, so I followed up with KeyBank and they claimed that they did not receive the originals sent snail mail. I re-emailed scans of the documents to them, and they finally acknowledged receipt of the email in XXXX. I checked in with them several times by phone and the rep on the last call said that the case was now out of their hands and that I had to contact XXXX, XXXX, or XXXX. I continue to received almost daily collection calls from KeyBank and it has appeared on my credit report. 
Note : The original credit card number that had the fraud charge is XXXX XXXX XXXX XXXX. They moved the balance to a new credit card number XXXX XXXX XXXX XXXX and this is the number on the current statements.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2021, I was contacted by someone on XXXX XXXX looking to buy an item I had listed. I generally use cash for these transactions, but the person asked for my Venmo username, and without thinking, I provided it. A few minutes later, they messaged me that they had accidentally sent me {$2000.00}, which was their rent money. They sent me many frantic messages begging for it back. I was skeptical, and took some time to research whether this might be a scam or not. The clearest advice I found came from Venmo 's help pages, which told me that if a stranger sends you money accidentally, and you see it in your Venmo balance ( which I did ), then it is safe to send back, and that is what they advise you to do. When I later spoke with a number of Customer Service representatives on the Venmo 's fraud line, they advised the same. I saw that my Venmo balance contained the extra {$2000.00}, so I accepted the request for a refund. After sending the money, the person stopped responding to messages and deleted their XXXX account. 
Almost immediately, I realized I had probably done the wrong thing and contacted Venmo again, and asked them to reverse my refund payment. They said I had done the correct thing and it was likely not a scam and they would not reverse my payment. 
On XXXX XXXX, I noticed that my Venmo account now had a negative balance, and that there had been a chargeback filed by the sender. From my online research, I assume their card was stolen by a scammer when the payment was made to me, and when I issued the refund, the scammer sent it to his own bank account. I submitted these details to Venmo, who argued on my behalf with the credit card company, but the credit card company found in the sender 's favor. I am now ( as of XXXX XXXX ) told by Venmo that I owe them over {$1500.00} ( they have already seized approximately {$500.00} that was in my balance at that point ). They have said there is nothing else they can do. I am frustrated and confused that there are no protections of the Venmo Balance, given that some protections would be offered by my bank account or credit card. Because the money was sent to me first, it was withdrawn from my Venmo Balance, instead of a source that might offer me better protections. I am even more outraged that Venmo ( on both its published help pages and Customer Service lines ) offers incorrect guidance, which only results in costs for users, but Venmo takes no responsibility.
Product: Debt collection

XX/XX/2019 : THIS IS A NEW COMPLAINT WITH NEW INFORMATION : Kia Motors Finance has chosen to pursue the alleged debt via illegal and repeated telephone calls which started on XX/XX/2019. I spoke with KMF via telephone on XX/XX/2019 where I was informed by a representative that KMF denies sending the debt cancellation confirmation letter and that XXXX sent the letter to me when they did not. I do not owe KMF any debt per their own admission. Please forward my complaint to the FTC as KMF is intent on using disingenuous and illegal methods to obtain a debt from me that they said was paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX
Product: Mortgage

I started a mortgage with XXXX XXXX XXXX on XXXX. 

XXXX XXXX XXXX on XXXX assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) Morgan Stanley purchased the 1st lien mortgage at the property located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( Mortgage ) on XX/XX/XXXX from XXXX XXXX. The borrower 's name at the time of acquisition was XXXX XXXX. XXXX sold the Mortgage on XX/XX/XXXX into the securitization trust, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The servicer at the time was XXXX. XXXX signs assignment on XXXX. 

So here is the question for you. If XXXX sold my loan in XXXX! From nortorized statement. HOW can XXXX assign it to a Mortgage backed Security in XXXX? 
I believe we have fraud and disgorgement.
Product: Debt collection

this company calls me 4 times or more every single day and sends me text messages 2-3 times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account that I did not open on my credit profile, I cant any validation on the account by trying to contact the creditor This account was fruad and I need it to be deleted from my credit profile .. I sent in some document on account for a XXXX XXXX XXXX total account please help me get this resolved ... I have been residing at XXXX XXXX XXXX XXXX va XXXX for over 8 years Thanks for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

The customer service for the following companies on this list would not help and take care of the negative inquiries reporting to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy. 

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 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. 

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Product: Bank account or service

due to the Bank checking on fraud ( which I understand ) they denied a transaction at a local ATM due to me being out of state. ( again which I understand ) I called the bank and although in a public place require me to give my social to access the account. I asked if there is any other way and they refused to help me. I then requested a manager and they repeatedly put me on hold and then the same person gets on the phone and even though I explained to her earlier that I am XXXX miles from a branch she says they will not help me and I need to go to the Branch. After asking for the manager again and waiting on hold almost 20 minutes she hangs up on me. Can someone please help me. It 's my money and they are holding it hostage.
Product: Student loan

For approximately three months the funds for my XXXX loan are not being appropriated correctly. I have the same loan number for AES and XXXX. The money for AES is being accepted, but not XXXX. 

I have been dealing with AES and XXXX on a weekly basis, and was advised to enroll in auto pay ; however, after doing so my funds are still not being applied correctly. 

I have overpaid on my monthly payments for the past several years, and I am now in a place now where they are not accepting the payments or correctly applying the payments where they need. I believe that I have done everything in my power to resolve this issue, yet, they keep advising me to send more money, but still not being applied correctly.
Product: Student loan

I attended XXXX XXXX School in 2005. I was supposed to be released of all financial obligations, but this small amount has remained for years. I do not believe it is federal. They would bother me while I was at school elsewhere, and I would just defer. Recently, I just exited bankruptcy, and all creditors were notified of this and my new address ( and the stay ). Yet somehow they did not change the address and I received no notices of delinquency, no emails, and no phone calls about payment. Now, allegedly they have sent this thing to collections, but the collections agency has no record of this existing. So I am stuck in limbo here. I do n't want this to ruin my credit -- I do n't even owe this amount, and on top of it the alleged collection agency has no record of this. 

They have not given me proper notice or an opportunity to request a deferral or forbearance.
Product: Mortgage

On XX/XX/XXXX, my wife was laid-off from work due covid-19. I called the mortgage company that I was having a hard time making the monthly payment. 
They put me in a forbearance and ended XX/XX/XXXX. I called the mortgage company to apply for mortgage assistance. I filed my documents on XXXX XXXX. The mortgage company replied and received the documents dated XXXX. XXXX. The only options they gave were short sale, Deed-in-Lieu of Foreclosure and pay the past due amount of {$18000.00}. In my application, I told them that I can resume paying my monthly mortgage. My salary increased from {$12.00} to {$14.00}, my social security also increased from {$1700.00} to {$1900.00}. My son also lives with us that is willing to contribute. 
I was very disappointed because of the options I got from them. They said that my financial hardship was not temporary. How can they say that after I mentioned to them all the changes to my income. I also got a renter recently to help pay our mortgage. We love our Home and we don't want to lose it. We are the original owner for 18 years. 
Please we need your help to save our house. 
Thank you and God Bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I uploaded at XXXXXXXX XXXX  supporting documents to show Experian that my credit card company XXXX XXXX XXXX has been trying to place my credit card account back onto my credit report due to the fact that Experian removed it. They have sent several letters to Experian as well as Request this change via electronic system which apparently is quicker. This information was provided to me which was showing me that they have requested the account to be updated. XXXX XXXX and XXXX has already updated months ago the same request. When I called today to get a status of the requested dispute, I was told that they did not see my information in the computer that I submitted. I then implored the agent to look again. Only after I asked him to look again was he able to take his time and actually locate the information that was submitted. At this point I became very upset because of the fact that I had to call and get the process going on something that shouldve been already in process. I have provided a recording of the conversation between me and Experian so that you may get a better understanding as to the frustration in communicating with this company as well as the lack of knowledge in the field in which they practice.
Product: Mortgage

In XXXX I submitted documentation from my County tax accessor and the VA to My Loan Care property mortgage company, showing I am a 100 % service connected VA and that I am exempt from taxes. Since that time I have called repeatedly I am told each time that my information has been received and that someone will contact me. This has yet to happen. I have spoken to supervisors, Ive tried to complain through this company, all to no avail.
Product: Prepaid card

When I bought my XXXX phone, the app American Express Serve came with it. It auto opened an account, though I did n't think anything of it because I never used it. So there 's no banking info or anything tied to it. Today I got an email saying that unless I add direct deposit to the account AmEx will charge me a {$4.00} fee. I try to log into the site, but I ca n't because I never really opened an account. I did request new PW and that let me in. On the page, no where to close acct. You can only call, tweet them, or write a letter. I have been on hold for 30 minutes. I would really just like to close the account and not be charged $ XXXX. Especially when this is just an app. Like a way to pay for things on your phone w/o using your own credit cards. My major issue is that there 's no easy way to contact AmEx and cancel the account. I am not going to tweet at them or send a letter. My only option is to call and like I said, they have had me on hold. I think this was a little forced since it was an app on my phone that I did n't really want. It was pre-loaded.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry listed on my credit report. After reviewing my credit report, I discovered an inquiry that I did not authorize or recognize.