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

XXXX allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/1962 SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My husband and I originated a mortgage with XXXX in XXXX 2016 that was subsequently sold to Dovenmuehle Mortage Company. The original loan was a no escrow loan. Dovenmuehle has been issuing statements that add an escrow of additional flood insurance ( We have already purchased a one year policy with XXXX ) as well an escrow of taxes. I understand that Federal regulations have changed and I may be required to escrow the flood insurance, but we do not believe they have the right to collect my taxes on our behalf if we have opted to pay them them directly on our own ( see Closing Document ). The mortgage documents we signed were for a non-escrow loan. I have made several attempts to contact them and have reached several people including supervisors, who say they must pass the information on to a manager in the escrow department and they will call me back. I have never received a call back and am now receiving collection letters. We have been making regular payments for the original amounts due on the loan. We have not been paying the amount they say is due for the escrow, since we have already paid the taxes and purchased the insurance on our own. We would like the amount on the statements to show what we are actually legally required to remit to them and to stop receiving notices saying that we are in debt.
Product: Vehicle loan or lease

Ally Financial did not notify me regarding a payment that did not post on time. I called after learning the Payment was late and was told they called a number that is not correct and they apologized for the error in notification. At the same time they noted a delinquent mark to the credit bureaus despite not giving me the chance to make the missing payment. 

I would credit report corrected since I was not advised of the payment issue and would like ally to confirm new contact info. Also would like late fees returned or credited to account. 

Thanks XXXX XXXX
Product: Prepaid card

on XXXX XXXX weekend i was affected by the RUSHCARD fiasco.I didnt recieve my direct deposit as i normally do and when i did i wasnt able to access my online account due to being locked out. I am not able to check my balances due to the text alerts not working. the problem was said to be fixed however here it is time for pay again and i have not recieved anything. I have attempted to reach out to RUSH Card at XXXX and i continue to get hung up on. I would just like to be able to access my money so that i can move my services elsewhere.
Product: Mortgage

Wells Fargo Home Loans purchased my mortgage in XX/XX/XXXX. I was making payments to them from their online system for XX/XX/XXXX and XX/XX/XXXX of this year with no issue. I set up my XX/XX/XXXX payment to be paid on XX/XX/XXXX, and instead they sent the payment through on XX/XX/XXXX. I contacted them when I noticed they were causing my bank acct to go negative on XX/XX/XXXX. I contacted WF and was told to stop payment at my bank, and gave me a fax number to reimburse the NSF and savings transfer fees. I was then told by them that the payment would go through a few more times and there was nothing they could do to stop it even if it is their fault. My bank sent the transfer back to WF and asked me to contact them to make sure they would n't send it back through. I called WF on XX/XX/XXXX to ensure it would n't go back through and was told that as long as my bank stopped payment it would not come back through. Today XX/XX/XXXX, it was put back through as a retry. I again contacted my bank who will return it, but will only do so if it makes the account go into a negative status, which is the case this time. I called WF once again, and they told me to have my bank return it, and he talked with his cash dept, and they said it would go through again a few more times and there is nothing they can do. He apologized for the inconvenience and there was nothing else they can do even if it is their error. I can fax the fees charged from my bank to them to have them reimbursed, but could n't assure me this would not happen again. I ca n't afford to continue doing business like this, and it should not be alright for them to act like it 's okay and nothing could be done. I am still out {$80.00} in fees from last weeks debacle, and now whatever fees from this week, and I still have other bills coming out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your letter stating that you have stopped investigating my credit file because you believe I am using a credit repair company. You are surely aware that the Fair Credit Reporting Act does not prohibit me from using a credit repair company, nor does it absolve your from the requirements to investigate my disputed credit items. I want to make clear that I provided proper identification and also sufficient information to investigate the disputed information. I am within my rights to be granted the required investigation. By failing to investigate my account within the required 30 day period due to your irrelevant excuse, I consider you to be acting either willfully or negligently in noncompliance with the requirements of the Fair Credit Reporting Act. In good faith, I request that my original request for investigation be completed. 

Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Creditor : XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX BANK, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXXXXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit
Product: Credit reporting

I have disputed with Equifax XXXX accounts that appear on my credit report. Partial Account numbers XXXX and XXXX and XXXX for a collection agency called XXXX collecting for XXXX XXXX XXXX XXXX XXXX. Equifax received my Dispute XX/XX/2017 and they state that they received verification from XXXX of a debt XXXX XXXX, 2017 - that does not belong to me. XXXX could not verify my SSN on these accounts. The information they have in their office that Equifax is reporting on my credit report is not my info yet an Equifax representative and Supervisor XXXX XXXX states that XXXX sent them electronic info with my DOB, SSN, name and address. In speaking with XXXX XXXX a collections agent with XXXX he confirmed with me that the last four digits they have on all XXXX of theses debts attached to my name is not my SSN. XXXX from XXXX then proceeded to tell me to send in my Id and my ss card so they could cross reference their records in order to get it removed. I refuse to provide them with my personal information when they are a company that I have no business with. I spoke with another rep weeks prior to XX/XX/2017 employed by XXXX, who also confirmed that they do not have my information on file yet they are on my credit report and that the error is on Equifax. I have repeatedly told Equifax that they are reporting information to my report that does not belong to me and they have not removed it as of XX/XX/2017. I have not received anything from Equifax with an update on this matter. And the letter received from XXXX requesting for debt Validation has not been received from Equifax or XXXX connecting me to this debt. I am respectfully requesting for Equifax to remove these XXXX collections accounts that do not belong to me that have not been validated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Inaccurate Reporting of Sold Debt Violation of FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file, which appears to violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 
The debt in question was originally held by XXXX  XXXX and was subsequently sold to XXXX LVNV FUNDING LLC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, I did not receive a Form XXXX from the original creditor, which is typically issued when a debt is canceled or forgiven and considered income by the IRS. 
As you are aware, accurate and complete reporting is required by law, and the lack of a 1099-C raises concerns about the legitimacy and accuracy of the reporting of this account. It also creates potential tax implications for me, as the debt could be improperly reported as taxable income.

Pursuant to 15 U.S.C. 1681i, I am requesting that XXXX : XXXX. Conduct a thorough reinvestigation of this account and verify its accuracy with the original creditor and collection agency. 
XXXX. Remove or correct any inaccurate information regarding this debt from my credit file immediately if it can not be verified as accurate and compliant. 
To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed. 

A copy of my ID and proof of address for verification purposes. 
Please note that you are required to complete your reinvestigation within XXXX  days of receiving this letter, per FCRA regulations. I expect a written response regarding the outcome of your investigation, including any corrections made to my credit report. 
Requested Action : I kindly request that you : XXXX. Conduct a thorough investigation into these accounts. 
XXXX. Provide me with the results of your investigation within XXXX days as required by law. 
XXXX. Remove the aforementioned items from my account. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Student loan

According to the Mohela rep I spoke to today ( XXXX ), Mohela received the FSA communication stating my remaining loans are eligible for discharge on XX/XX/XXXX, and discharge will be within XXXX business days from that date. However, I have spoken to at least two people who also received the letter on XX/XX/year>, and their loans have already been discharged from Mohela. My effective date of forgiveness is XX/XX/year>, and it is now XXXX. Seven months have passed and in the interim I have made several calls to Mohela, each time with different answers. 

My immediate complaint has to do with conflicting information. Mohela representative on XXXX call stated that my forbearance ends on XX/XX/XXXX, and my next due date in XX/XX/XXXX. However, the Mohela website on XXXX says my next due date is XX/XX/XXXX, and my forbearance ends in zero days. The representative could not provide a reason for the conflicting information so I am not sure what to believe.
Product: Debt collection

On XX/XX/XXXX, we purchased 2 cell phones from a XXXX XXXX retailer, XXXX XXXX. The sales representative, XXXX XXXX, sold us a bundle package for 2 cell phones, 2 tablets, 2 virtual reality headsets, a XXXX XXXX device, a XXXX XXXX, and other cell phone accessories. During the purchasing process four additional lines were activated with a 2-year agreement on each. XX/XX/XXXX, we decided that we no longer wanted the XXXX XXXX device and we contacted XXXX to terminate the attached line of service ( XXXX ). XXXX informed us that we would be liable for a charge of {$100.00} for early termination, which we agreed to and paid XXXX XXXX for. On XX/XX/XXXX, we received a collection letter from Aldous & Associates regarding a collection attempt on behalf of XXXX XXXX for {$20.00}. I contacted XXXX XXXX to inquire if they had any outstanding charges on our account and we were informed that our account with XXXX XXXX was current with no outstanding charges. Afterward I contacted XXXX XXXX, the sales representative said that he could not consider the matter and that I would " have to physically come to the store and speak to the manager tomorrow between XXXX XXXX and XXXX XXXX. '' I then contacted Aldous to inquire what the outstanding charges for the collections were for and they told us that XXXX XXXX charged us a bill of {$20.00} for breach of contract for early termination on the XXXX device. We asked the collection agency why did the retailer not notify or send us any correspondence regarding the issue before this collection letter? They responded that " XXXX XXXX feels like this is more effective. '' Therefore, I was not afforded the opportunity to correct the alleged charges before my credit is at risk of being damaged. Additionally, I reviewed my signed Sales Agreement with XXXX XXXX and there are two sections regarding agreements to the policies. The first section states the Early Termination Policy in which we honored with XXXX XXXX. The second section is regarding policies with XXXX XXXX, which I was not asked ( and I did not ) sign. In the second section, it explicitly states that " I have obligations to XXXX XXXX that are separate from my obligations to XXXX. '' It continues with another early termination policy allowing XXXX XXXX to recover payment. Again, this second section is not agreed upon and I was not asked by a sales representative to sign it for the sale.
Product: Debt collection

I was served with a notice to revive a debt from XX/XX/XXXX, which I included in my XX/XX/XXXX chapter XXXX bankruptcy. 

They filed case # XXXX XXXX COUNTY IL Atty for LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to Complaint XXXX. 

I am grateful for Village Capital working with me to modify my loan in XX/XX/XXXX. For that, myself and family appreciate it. 

However, I contracted XXXX XXXX in XXXX of XXXX. I notified Village Capital that due to XXXX XXXX, I lost my job and was unable to pay due to this hardship. I got behind in my mortgage during this time in or around XX/XX/XXXX. I was unable to 'catch up ' as I lost my job. I was then waiting for my new job to start. I am asking for your understanding as this was very stressful on my family and the entire nation. In fact, stressful on the entire world. Village Capital continued to mark my credit as late, did not work with me immediately. Clearly in violation of the spirit of the CARES Act. 

I appreciate your compassion, understanding and cooperation to help me and family move past this difficult time. Village Capital finally helped me in XXXX of XXXX with the loan modification. I called dozens of times asking for assistance. I almost lost my home! Thank XXXX XXXX XXXX in lost mitigation was able to help after months of requesting help. For that, I send her blessings everyday and I truly appreciate it. 

Additionally, I have not been late on my mortgage since the modification. Please assist me and my family with this gesture. We can debate some of the facts for sure, however in the spirit of cooperation, understanding and compassion- we appreciate Village Capital assisting a gracious American citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting my complaint to you through the CFPB regarding the presence of fraudulent items on my credit file. This is the twelfth time that I have attempted to dispute these inaccurate entries, and I am becoming increasingly disappointed and frustrated with the lack of progress that has been made thus far. Despite my diligent efforts to rectify this situation, it appears that my concerns are not being taken seriously. It is important to note that, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any fraudulent or inaccurate items on my credit file. According to Section 605n of the FCRA, credit bureaus are required to promptly remove any information that is found to be incorrect or can not be verified. Despite providing extensive evidence and documentation, these fraudulent items remain on my credit file. I am requesting that you remove hte following items immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX The presence of these inaccurate entries has had a detrimental impact on my credit score, creditworthiness, and overall financial well-being. This is unacceptable, particularly as I have worked diligently to maintain a positive credit history. I should not be penalized for something that was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im being denied to rent a place to live with my child anywhere because of a car loan that is showing delinquency and Im not the owner of the vehicle from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting in correct information on my credit report. XXXX XXXX XXXX acct has never been late as it stated it was in XXXX of XXXX if I was really late why would this just pop up in XXXX of XXXX. I have attached my payment history for XX/XX/XXXX as u can see it says completed. Please remove this false and inaccurate information immediately or I will be forced to seek legal action. This is a complete violation of Fcra laws and regulations. This payment has never been late remove this IMMEDIATELY this is messing up my chances to close on my loan that I am doing right now.
Product: Checking or savings account

Company : Venmo Website : wwe.venmo.com Issue : Account Suspended Reason : Automated response feature. 
Date : XX/XX/2023 I've been with Venmo about 4 years. I have a positive balance, no returned items, no disputes or charge backs, and no complaints against me. All funds went through Venmo 's transfer time table, were debited/ cleared, and all items have been paid. I was trying to do Venmo 's " Pay in Store '' feature for the first time at XXXX. I had the funds to cover the transaction, but it was declined. The transaction never hit the account. It was declined by Venmo, though the email didn't specify that. It just said it was declined and trying again could resolve the issue. I tried again, then tried on another register w more times. For whatever reason, this suspended my account automatically. I've been given no reasons, resources, contacts, or means in which to resolve this. I just keep being told someone will get back to me in a week or so. I use my Venmo account for my business as well, which I had approved a while back, and this is affecting my ability to take care of my customers and vendors, as well as my ability to run my business. I'm still recovering from COVID-era fallout. No one at Venmo will tell me what's going on or how to resolve this.
Product: Credit reporting

All they did was verify it is my account. But again this is an outdated XXXX account that is suppose to be dropped off in 10 years. 
I do n't understand why Equifax does not follow their own policy.
Product: Prepaid card

On XX/XX/year> at XXXX I received a deposit from XXXX  XXXX onto my Money Network account for the amount of {$1300.00}. 

On XX/XX/year> at XXXX the amount of {$1200.00} was transferred to a personal bank account ending in XXXX transaction ID # XXXX. This bank account is not mine, nor did I request or approve this transaction. 

On XX/XX/year> I noticed the unauthorized transaction. I also noticed that the password to my account had been changed by someone other than myself, and I no longer had access to it. I immediately called Money Network and my prepaid debit card and my account were shut down. The remaining balance in the account was mailed to me. 
Also, at this time, I was told to contact this email address to request a provision of credit. I followed the steps given to me. 

I then called the state of XXXX to change my method of payment. 

On XX/XX/year> I received a letter that my dispute had been denied. I called Money Network back and asked why. I was told the account that the money was transferred into is in my name. 

I have no knowledge or access to this account ending in XXXX.