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

Customer service would not help take care of these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am repeatedly receiving phone calls at XXXX XXXX and after XXXX XXXX. from XXXX XXXX XXXX representatives for a collection account and debt from XXXX XXXX, XX/XX/2020 for {$2400.00} thats not my account or debt. The collection account is listed on my Trans Union, XXXX  and XXXX credit report. XXXX XXXX XXXX representatives is steady calling me annoying and harassing me, using profane language against me, making threats of XXXX  and XXXX against me, threatening me with arrest, jail and prison time, all for an account and debt, thats not my account or debt. I am scared and in fear of my life. XXXX XXXX XXXX  business practices is dishonest, unethical, illegal and unlawful. XXXX XXXX XXXX is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for a credit card until XXXX and it was with XXXX I have no idea who XXXX is. 
XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX an account was opened without my knowledge. 

CREDIT CARD - " WF CRD SVC '' Credit Limit - {$1500.00} Current Balance - {$890.00} Account Type - REVOLVING Condition - Open Responsibility - INDIVIDUAL Term ( in months ) - NA Remarks- NA Date of Account Status - XX/XX/XXXX Payment Status - Current Times XX/XX/XXXX Days Late - XXXX XXXX XXXX XXXX XXXX CREDITOR INFO WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX  moved into an apartment where I was asked to be the guarantor I canceled the lease and they allowed him to stay They allowed XXXX to fraudulently signed my name even though I canceled. The apartments were well aware of this during the court proceedings I did join their attorney in court who apologized for not notifying me of eviction. I never received notice Only XXXX was notified and money that was due they only notified XXXX. The attorney for apartment stated in court that I would not be financially liable if I had my son move out by the XXXX they will wipe out any monetary rulings that were due from my name and put them on my son since he is the only one who signed. The apartments later called me and I explained to them what took place in court they told me that they will not collect the money but they will send it to a collection company in a different name who can then collect it this is illegal the judge already made a ruling the attorney already apologized for allowing my son to sign my name without me being present this is identity theft and this that belongs to XXXX XXXX not me. I want a complaint against them for allowing identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 Dispute of Liability, Unlawful Communications, and Non-Compliance I am writing to formally dispute the liability and claims associated with my personal information in relation to your company. This letter serves as a notice of my concerns regarding the following issues : 1. Civil Liability for Negligence ( Code 16810 ) I am disputing any claims of negligence or civil liability under Code 16810, as I have never given written consent for the furnishing or obtaining of my personal information. To date, I have not authorized any actions that involve sharing my private information or accessing it without my explicit written permission. 
2. Violation of 15 USC 1692c - Unlawful Communications In addition, I assert that actions violate 15 USC 1692c, which governs the rights of individuals concerning unlawful communications. Specifically, I have not provided consent for communications regarding my personal or financial information. Further, your company has engaged in actions that directly violate my rights under this law, as I have not authorized or agreed to any correspondence of this nature. 
The above actions not only infringe on my rights but also result in a breach of privacy and potential harm. I request that you provide written confirmation that you have ceased all communication and interaction related to my personal data, as well as an immediate cessation of any unlawful communication practices under the aforementioned law.
Product: Money transfer, virtual currency, or money service

Im writing this email in hopes to get some assistance with a confusing issue of which I have not had much luck with a solution. I have all of the documents that shed light on the issue. This is in regards to a XX/XX/XXXX tap to pay on my Venmo business account, yes I used my own credit card to do it. I tapped to pay my own credit card on my own Venmo business account as a form of cash advance. 

Please see that the transaction in question from XX/XX/XXXX is still currently in a pending status on Venmo 's end as a suspicious transaction and never went through on Venmo 's side. However it did go through on the banks side. 

You can see on the attached banking statements that the charge posted from XX/XX/XXXX. 

I never received the money, so I filed a dispute. A temporary credit was issued by my bank. 

When I called Venmo for an update, they advised me to drop the dispute so they can further look into the actual XX/XX/XXXX transaction in question. 

Then when the dispute was settled in my Venmo accounts favor it was added back to the bank statement. 

My Venmo account went negative due to the dispute. However, the transaction in question never actually processed, or at least I never received that money on Venmo- which is the main issue ( because my account was instantly banned after this XX/XX/XXXX transaction, it stayed in a pending state ) Due to the chargeback team pulling money from my account from the dispute, it made my negative {$2400.00}. So when Venmo credited me the money after the dispute was settled, they brought my account up to {$0.00}, however it should be {$2400.00} Using your own credit card as a form of cash advance may seem weird, or fraudulent, but there is nothing against it in the Venmo XXXX. It has less fees then a cash advance and is just a smarter way to get around fees. 

Ive done it before multiple times without issue before this. No disputes ever had to be filed - I Had to in this situation. 

I am not trying to take money from Venmo. I am not trying to scam anybody out of anything. I am simply out {$2400.00} and would like some help so I can be made whole. It is a slightly confusing case where I have made little progress and have gotten frustrated at times. Please do not simply look at my case and throw it away without doing a proper investigation. This has been ongoing since XX/XX/XXXX. 

A few key points to remember : 1. Yes I know the dispute was settled and handled through the bank 2. The heart of the issue is the XX/XX/XXXX transaction. The money never came to me. It was always stuck in a pending status which set off the domino effect. Start with step 1 - how could this transaction possibly have been disputed, if this transaction technically never went through on Venmo. You can not reconcile those 2 things.
Product: Debt collection

I have called to try to resolve this issue plenty of times because its the wrong amount. I always have a copayment or insurance like XXXX or XXXX dollars to pay and I obviously did not get the invoice because I moved
Product: Credit reporting, credit repair services, or other personal consumer reports

This really needs to stop! Transunion is going to all lengths to make a profit. A company doing a soft credit pull does NOT validate an account. Transunion and the companies that have paid them XXXX XXXX and XXXX XXXX XXXX has not validated the accounts. Transunion has been advised of this several times and has refused to provide validation. They are required to do so and has refused.These deragatory accounts reporting is falsely representing me as a customer to current and future creditors. It's also damaging for my mental health. It's my understanding each credit bureau is provided the same exact information when the bureau has been PAID to report the account. I have informed you Transunion, XXXX and XXXX has removed the SAME account you are reporting as derogatory. If each credit bureau XXXX, Transunion and XXXX is provided the same information how is it you " claim '' the account is verified? Are you saying you Transunion is the only reputable credit bureau? Please tell me why if you are claiming these accounts are verified why is it so hard to receive validation from Transunion and the companies that have paid you to report them? I have written to Transunion, XXXX XXXX and XXXX XXXX XXXX. I did NOT receive any responses from XXXX or XXXX XXXX XXXX. Again, I have informed Transunion of this and Transunion has did XXXX. Transunion is NOT abiding by the law and has continued to violate my consumer rights! These accounts have NOT been validated therefore they should immediately be removed! I have requested FACTS and VALIDATION Transunion again I ask please provide. I have not received anything from neither company. Alot of time has passed by and my credit is being affected. I have not received a thorough investigation it's more than likely processed by a machine or an overseas overworked employee. It doesn't make sense how I can contact Transunion each time to request information and the response is " verified '' or it'a a stall tactic. Transunion stall tactics as follows ... We are unable to verify your identity we received contact on what we think may be a XXXX party. We have verified the account. The latest I just received an email you received my request to cancel my dispute.How?????? I am and always have contacted Transunion on my own. How is it you are unable to verify me on a dispute but there's no issue with verification to send a full credit report to me with all my information? That doesn't make sense at all! The fake concern is a stall. I have NOT requested no dispute to be canceled I will update a copy of the last 2 letters I sent to Transunion as well as a screenshot of the email I received Transunion claims I requested to cancel the dispute. I did not request the dispute to be canceled. These accounts need to be removed IMMEDIATELY!
Product: Checking or savings account

XXXX XXXX would not clear me for XXXX even thought I got documents from XXXX  and XXXX clearing for my XXXX. In the meantime, I was able to obtain clearance from another XXXX and followed through with the procedure. They refused to refund my deposit, I disputed it with Chase. Chase stated that they are unable to recover the charges due to the company stating they are still able to provide the service. XXXX XXXX is requesting that I pay another deposit because disputing the first deposit forfeited. Therefore, they will not render the service until they get more money from me. 
Chase is unable to help me recover the funds.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am writing to dispute inaccurate, incomplete, or unverifiable information on my credit report, as detailed below. I request that you conduct a reasonable investigation of these items and correct or remove them as required by law
Product: Mortgage

Mr cooper accepted my modification allowed me to make 3 monthly payments and I did this on time each month, then at the end of the trial period they said congratulations we will send you out paperwork to sign and then 3 days later they denied me. 
They are now telling me to resubmit all the paperwork again only for me to be denied again. 
According to my lawyer the investor would have had to agree to the modification to allow me to have a trial period and as I made the payments on time I should never have been denied. 
If the investor had any concerns they would never have allowed a trial period. 
I've been trying to work this out with Mr Cooper and all I get is stumbling blocks that is forcing me further behind on my mortgage. 
I will be reporting Mr cooper to the BBB and contacting my attorney General regarding this.
Product: Credit reporting or other personal consumer reports

I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
Below is a summary of the data in which I am challenging : Personal Information for XXXX  NAME : XXXX XXXX XXXX XXXX Can you please delete any records in your system where my name is not exactly XXXX XXXX XXXX XXXX 
This will ensure that the database has accurate information about me. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX, TN XXXX In appreciation According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name XXXX XXXX XXXX XXXXN Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND THEIR COLLECTION AGENCY ( XXXX XXXX XXXX VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Credit reporting or other personal consumer reports

I have dispute this XXXX XXXX XXXX XXXX account several times. Experian always just closes dispute without properly investigating. I have not paid om this account since XX/XX/XXXX. Yet it still shows open and active on my report. and also shows current for months of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They are falsley trying to keep the axcpunt open and current to further damage my report. I have never used this time share and was completly scammed into believing I would be able to get out of it any time by simply telling them I no longer wanted it.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) due to the fact that these accounts and information were compromised in the breach. 
The accounts to be blocked and deleted are as follows : XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft Someone stole my information open credit card accounts up and started charging it in my name This is fraudulent and it needs to be removed ASAP. it's hurting my ability to be able to obtain credit
Product: Checking or savings account

Ive had a chime account for years and on XX/XX/year> I went to the atm to get money out to pay my rent and the money was never dispensed and I called Chime to let them know. I was told by multiple people that the funds would be back in my account within 2 days and that never happened so I waited a day and called in again and I was told that a credit would be applied for the amount of XXXX and I was also told that they wouldnt reverse the credit amount once it was placed into my account. Not only did they reverse the credit amount they never investigated the claim and just denied my dispute multiple times and eventually closed my account because they refused to give me my money back and also I have an additional amount of XXXX in a separate account that I was told would be mailed to me after they wrongfully closed my account and now XXXX being told that they will not send out the check for the XXXX and that I dont have it in my account anymore.
Product: Student loan

I was contacted by  XXXX  via my school district protected email regarding a service to assist with public service loan forgiveness. When I called  XXXX  I was transferred to Doan Solutions LLC who I was told was contracted with them. I signed a contract and was charged a {$390.00} for their assistance with this program. After speaking with Fe d Loan Servicing, I believe this is a scam because they stated I should not have been charged a fee for those servic es.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX. States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Debt collection

On XX/XX/XXXXmy husband called ERC for account XXXX. The letter had a debt from XXXX  or XXXX essentially asking that half be paid to resolve the debt. I have been married for 10 years and the debt is under my maiden name. I have strictly had XXXX on my dad or husbands plan since XXXX grade. At no time have I ever had XXXX or XXXX XXXX. ERC refused to talk to my husband on my behalf. It is absurd and wrong that I have to jump through hurdles on a charge that I have never made. While I understand the need for collections when bills are not paid I also do not understand why they refuse to talk to my husband about this issue. As I have stated previously I certify my consent to talk to my husband directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I paid my debt {$550.00} for my military star card and the company that had my military star card account XXXX XXXX XXXX XXXX XXXX ( XXXX ) agreed to delete this account from credit report, at the same time the they the IRS withheld money from taxes from tax offset and sent an extra payment to XXXX for {$550.00} on XX/XX/XXXX. they where however able to return the extra money that was sent to them. 
I then Disputed this with Experian because it took them over 30 days to delete this account from credit report in which XXXX agreed to do. the first dispute came back as begin remaining on my credit report on XX/XX/XXXX and I then again disputed this account with Experian which did not provided the correct results and ended up damaging credit even more. XXXX report deleted the collections from XX/XX/XXXX to XX/XX/XXXX however they applied a collections to my account for XX/XX/XXXX which is not true because I have paid statements showing that this account was paid and closed in XX/XX/XXXX in which XXXX has now validated the FCRA laws by reporting incorrect information. I then again open another dispute with Experian and is ongoing however I don not believe the results with provide the appropriate out come due to the previous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card was applied for and opened in my name from XXXX XXXX bank. This is now showing on my credit report. I called company which told me to place a fraud alert on my credit report. I have done that, and they are unwilling to investigate to have fraudulent items removed from my credit.
Product: Consumer Loan

My husband and I opened up an account with BBVA Compass Bank for our new vechicle. I was told by several reps that I could make a payment from our checking account since BBVA Compass bank did n't have a way to pay online. I made NUMEROUS attempts to pay thru our checking acct and was told that my bank " rejected " the transaction. After multiple calls to my bank, my bank advised me there was no record of BBVA Compass bank transaction. I made a " bill payment '' to BBVA Compass Bank XXXX XXXX/XXXX/16. I checked my bank on XXXX/XXXX/16 and confirmed BBVA Compass bank received my payment. On XXXX/XXXX/16 I started receiving XXXX telephone calls per day from BBVA Compass bank!!!! I returned the call and was told by a rep in the collection department that my payment was late. I advised the rep to double check the records and that the payment was sent via bill pay and received by the bank on XXXX/XXXX/16. After the conversation, I continued to receive calls from BBVA Compass bank XXXX8 times per day!!!!! The calls interrupted my day and evening. I had to put the bank on call block. I called BBVA Compass bank today- XXXX/XXXX/2016 and requested to speak with a supervisor. The call was transferred to XXXX XXXX XXXX. She pulled up my account and verified my account was paid on XXXX/XXXX/16. I advised XXXX a complaint will be filed for harassment from BBVA Compass bank regarding this issue since it should of never happened.