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

I have been a victim of a payment of {$600.00} to an unknown individual names XXXX XXXX via Venmo on XXXX XX/XX/2019. 

After opening a trouble ticket with Venmo to reverse this transaction, they claim this was not an illegitimate technical issue with the payment system and that I should use the platform to reach out to the individual with whom the transaction be made and/or file a police report. I have not heard any response from the individual named XXXX XXXX ( @ XXXX ) via the Venmo app.
Product: Checking or savings account

Without warning USAA restricted my account access despite still being paid. They then proceeded to cancel the majority of my accounts without notice or reason and have refused to provide documentation. Despite all this my accounts which are still open, auto loan, checking, auto/homeowners insurance and ID theft and credit monitoring service which are all current and paid for have been restricted and I am unable to pay, view, file, or do anything with these accounts.
Product: Credit reporting or other personal consumer reports

From XXXX to XXXX my credit report consistently reported information about my accounts that I was not responsible for. I have tried many times with Experian, XXXX, and XXXX throughout the years. Telling them that the credit card accounts were not mine. Eventually, I was sue by these debt XXXX in lawsuits. I had XXXX lawsuits by the end of next year against me for something that I have been trying to fight. XXXX lawsuit is stressful enough for one person, imagine XXXX lawsuits at the same time from these predatory lenders and debt XXXX. I had to file for bankruptcy from all the pressure of the lawsuits. All three of these credit reporting companies did not do anything before I was sued. They let all these debt XXXX was able to have access to my personal information and these credit reporting companies had data compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing my inaccurate accounts with XXXX for awhile now. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Equifax have wrong address on my personal file, and I send in my correct address with proof, Accounts that's not mine, and was already disputed and removed, they put the accounts back on my credit report with no notice. Equifax pretend to remove my accounts but then used old accounts to say they deleted. On XX/XX/2018 I received a letter in the mail from Equifax stating that they updated XXXX  XXXX, XXXX XXXX, and XXXX XXXX, and that they verified the accounts were reporting accurate. I never asked them to dispute any credit card accounts. I asked them to verify the inquires on my credit report that I didn't authorize. There not doing there job, and as a consumer under the FCRA section 609 credit bureaus must prove the accounts is mine, with validation, or contract. I have not received anything verification, or validation. I want these accounts deleted off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that a collection account was properly investigated and came back as verified. However, how is this true when I have explained to them numerous times that the account is not mine and should be removed from my credit report. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.Code 1681e ( b ) & 1681i ( 5 ) this account is inviolation. As a consumer, I request to know all the steps the credit reporting agencies took to insure that this item was 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXXXXXX XXXX XXXX Account : XXXX Account is closed please delete from my credit report XXXX XXXX  Account : XXXX This account is closed please delete from my credit report The XXXX XXXX Account : XXXX This account is in collection with a past due amount of {$570.00} according to the Metro 2 compliance MUST be deleted. 

XXXX XXXX Account : XXXX This account is closed please delete from my credit report XXXX XXXX XXXX Account : : XXXX This account is in collection with a past due amount of {$100.00} according to the Metro 2 compliance MUST be By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED CDIA Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

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

I wrote to the credit bureaus hoping for my accounts to get resolved and I am not seeing a change. I also want to understand the reason for my points to have dropped significantly and an account number changed on an account I have open. I would like to know the investigation results for these accounts still remaining in negative status on my account. XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number : XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX alleging that I owe a debt. I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or XXXX XXXX. I had already sent Pinnacle Credit Services a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by XXXX XXXX XXXX XXXX on behalf of Pinnacle Credit Services , LLC which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.
Product: Mortgage

I have a first mortgage with XXXX Bank XXXX XXXX as trustee which mortgage is being serviced by Nationstar Mortgage. In growing my business, I incurred large start up costs which caused me to fall behind on my mortgage payments. I recently made a good faith proposal to get my loan reinstated within a period of XXXX to 7 months. This proposal included a significant lump sum payment with large monthly payments which I offered to have automatically withdrawn from my account and with a lump sum payment to pay any remaining arrearage after XXXX to 7 months. My offer was turned down and the bank made a counteroffer which would require an even higher initial payment and monthly payments higher than I could in good faith commit to. I feel that I am not being treated fairly by my lender despite my good faith efforts to bring my account current in the not too distant future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion file number XXXX I am filing this complaint because Transunion has ignored my multiple request to provide me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of FCRA - They are required to " ... promptly delete all information which can not be verified ''. 

Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Please resolve this issue as soon as possible. 

Thank you
Product: Debt collection

I switched my son over from a XXXX to XXXX physician since he 's now an adult. I made the appointment and went with him to his new doctor and paid the {$10.00} copay in full XX/XX/2015 on date of service ( have receipt ). I got a bill from XXXX XXXX XXXX XXXX stating I owe {$10.00} still but that got clarified over the phone with billing and they told me not to worry about it - they see that I did pay on day of service. 
ARStrat called and sent us a bill and my son was sent to collections over {$10.00}. ARStrat said they could n't speak to me despite telling them I paid for it and have proof and told them to call XXXX XXXX. They wanted my son to call them even though he did n't pay the copay. They just set up walls. They would not let me speak to their supervisor. Depending on which day you call and who you talk to on ARStrat 's phone some will say they do NOT have a supervisor nor legal department to talk to. Every time I call the doctor 's office and billing department - they say I 'm good. They even communicated with ARStrat multiple times but ARStrat denies any such communication. So I paid ARStrat to quit harassing us till we get this resolved. ARstrat says they can not talk to me unless they get permission from my son. He gave them permission and told him to call his mother to clarify this with her. ARStrat told my son they " will not call your mother because you do n't have an account with us '' - that 's because they were paid and do n't want to give my money back - nor do they want to resolve issues. I told them several times to call XXXX XXXX XXXX and they will tell ARStrat that there was a clerical error posted to my account instead of my son 's. But ARStrat wo n't listen. I had to call them back and keep pushing to speak to their supervisor who was just as rude and put up lots of walls also - not very helpful at all. No body at ARstrat would look up the confirmation # paid on their billing statement nor reference number. Not only am I trying to get my money back from ARStat - I want a formal APOLOGY for putting innocent people through XXXX. People who actually pay their copay like they should and still try to collect and harass and bully people that did no wrong in the first place. ARStrat need improve their communication methods, customer service and listen more to people. My name is XXXX. Personal info is my son 's name XXXX with last XXXX social to help you find the account listed under personal info section.
Product: Credit reporting

I am writing in regards to my credit report Inquires. My computer was stolen early last year in XXXX. Ihave been turned down for credit because of the quanity of inquires that are on my credit report, these are inquires that I have no credit with these companys, and never made the inquires. My computer that was stolen had all my information on it and all the passwords.Here is a list creditor first then the date the inquirey was made. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ... .All of these I do not recognize and did not make make them there are duplicates and triple times put in for XXXX creditor Please delete from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to file a complaint with XXXX, XXXX  and Transunion. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.
Product: Bank account or service

I had a checking account at US BANK. someone use my account by Fraud. I have sent letters. There put me on XXXX. It is not my Fault.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XX/XX/XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXXXXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

This company is intentionally furnishing inaccurate information on my consumer reports, and it is doing significant damage to my reputation as seen with XXXX, XXXX, and XXXX. Their misreporting has been lowering my credit score each month because they continue to report 180-day late payment notations on my account every month. A consumer can not be 180 days late each month. Late payments progress every 30 days. This is behavior is inappropriate and unprofessional. I have already disputed this issue with them and the responded stating that the information being reported was accurate. They are in violation of the Fair Credit Reporting Act 15 USC 1681s-2. Supporting documents including a letter intended to notify the company that the account is hereby disputed is attached to this complaint.
Product: Credit reporting or other personal consumer reports

Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$460.00}.
Product: Credit reporting or other personal consumer reports

MicroBilt Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear MicroBilt Corporation, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent {$120.00} via Zelle for XXXX XXXX. It was a scam. I immediately called my bank and called Zelle, Zelle wouldnt hear any of it or take the information. Wouldnt flag the account. Wouldnt protect the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy on XX/XX/18 and it was discharged the same year, but all the accounts that were included in the bankruptcy are still showing open.
Product: Student loan

Hi there, Since XX/XX/2018, Ive been attempted to get on a income based repayment plan or a pay as you earn plan and Ive been repeatedly denied, forcing me into deferment. I just want to have a payment I can afford and I read an article today publicly disclosing that the US department of education is denying requests like mine. This is hurting my ability to make payments and I am counting on your help. Thank you. 

Sincerely, XXXX
Product: Credit reporting

I would like the company to honor what I was told about a year ago XXXX,2016 I paid a debt and was specificity that as of XXXX 2016 it would be removed of my credit report here a year later! They are saying that it was only going to be placed on my credit report as settled. Even though i have reached out to them and explain what I was told I would like their phone records pulled because they refuse to honor what another employee as told me. 
I feel like this is hendering the process to have to plea my case to others when they can not stand behind what was told to me! I have note of the date paid and what I was told. Thank you for your help in timely manner. XXXX
Product: Checking or savings account

I lost my phone and someone has been using the phone I lost that has all of identification in it to change my account information and make false fraud claims on my account. I have called in several times to fix this issue and it keeps happening
Product: Credit reporting or other personal consumer reports

At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the XXXX and XXXX XXXX XXXX XXXX. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security # XXXX XXXX : XX/XX/year> Thank you for your cooperation and consideration in this matter. 

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

After reviewing my credit report I discovered several items that do not belong to my person and I do not recognize. I have submitted disputes about these items recently to no avail. The addresses attached to the report are not mine and have never been.
Product: Checking or savings account

I have paid over {$4000.00} in overdraft fees in 2018 thus far. Although many have been my fault many times the bank will put a check through that causes my account to go negative and they will charge me fees for purchases I have made while my account was still in good standing.
Product: Debt collection

I just got a letter from FBCS , Inc. They are stating that I owe an amount of {$460.00}. The truth is I never had been anesthetized. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within they will assume the debt is mine. I hope you can help. Thank you.
Product: Checking or savings account

Flagstar keeps canceling my external transfers from XXXX ( via flagstar ) to XXXX XXXX. Both accounts are in my name. They say its for protection but I am the one wanting to transfer the funds.