23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Venmo won't give me my money back. I need a refund for these items On the XX/XX/21 {$3.00} {$5.00} {$29.00} {$2.00} {$34.00} {$4.00} XX/XX/21 {$8.00} {$2.00} {$55.00} {$2.00} {$12.00} {$80.00} XX/XX/21 {$78.00} XX/XX/21 {$78.00} XX/XX/21 {$90.00} XX/XX/21 {$100.00} XX/XX/21 {$200.00} XX/XX/21 {$100.00} XX/XX/21 {$9.00} XX/XX/21 {$73.00} {$54.00} XXXX XXXX account XX/XX/21 {$100.00} XX/XX/21 {$83.00} I want the all the refund sent to me in a check sent to my address.been asking for it they been putting it off. I want the refund I am asking for asap
Product: Credit card or prepaid card

Chase Bank has not been included in this scam inquiry into Credit Card transfer payment reversal charge backs. ( {$7000.00} over a week later, and after 2 banks ' customer service reps gave verbal phone assurance, allegedly recorded, that the transfers were verified solid and ready to spend. ) How do I apply for remedy relief from the credit card companies? Chase has updated my online account dashboard without giving accurate reflection of the 8 to 10 days with which it delayed before coloring the transaction status and says there is nothing to dispute. XXXX XXXX won't let me report problems online for payments like it does for disputed charges and says the payment was never authorized, as notated at reversal.

Ref : Case numbers- XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to report and dispute unauthorized inquiries on my credit report their agent Cant speak English well and told me nothing to do its gonna be there for 2 years I ask so they can just run my credit and I cant do anything about the held the call then told me I had to CALL EACH AND EVERY ONE of those running to get a deletion letter then after gathering all these letters I should send it to them.The only authorized inquiries are XXXX XXXXXXXX  XXXX  XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to XXXX and all XXXX credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by XXXX, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. XXXX is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all XXXX of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.
Product: Credit reporting or other personal consumer reports

Account is reporting as revolving account is closed, Report is also reporting a balance but it was reported as a loss by the grantor the last active dates are inaccurate and the bureaus are not reporting the same
Product: Debt collection

To Whom It May Concern, I have tried to settle this issue with Santander multiple times. My ex-husband XXXX XXXX ( main borrower ) opened a car loan. I was included on the loan when I shouldn't have been. I tried making a police report, but I was told it was outside of statue of limitations. My ex husband is receiving relief through the class action lawsuit. However, as the co-borrower, I am not receiving any relief. I have called XXXX XXXX, Santander and my state attorney general to confirm that as a co-borrower I was not included in any type of relief. 
I was not supposed to be on the loan at all. I wasn't there to sign it. Santander opened not one, but FOUR car loan accounts in my name in an effort to push this through. All of the opened and closed car loans were opened in XXXX and XX/XX/2013. Out of four of these entries ( and they all have different account numbers ) only one stuck. This should have been caught by the company that FOUR different loans were pushed/failed through in my name. I have included a screenshot.
Product: Debt collection

The information provided is in accurate. The debt started in XXXX, they keep reporting it was open in XXXX to the credit bureau and now the debt is been sold again to another collection agency calling money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Product: Checking or savings account

In the final months with Wells Fargo bank after speaking with several bank employees and managers overdraft protection kept charging my account {$35.00} for EVERY transaction whether it was {$1.00} or more. I asked for this feature to be removed several times to no avail. Also, the account kept allowing transactions after the bank was notified. No one tried to help me stop the cascade of fees and I returned my cards to the bank and closed my accounts. I still receive mail correspondence about fees that accumulated after I closed the account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes Hard Inquiries have been addressed with the XXXX major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, XXXX, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Student loan

Navient I submitted my income based repayment paperwork for Navient after they stated they didnt receive all of it. Once i did so, I received an email at XXXX that same day stating that my paperwork was revived. The young lady I spoke with stated that she would would move my payment date to XX/XX/XXXX to ensure that the paperwork had been completed she on XXXX end. Fast forward til today, Ive been charged {$850.00} dollars XX/XX/2019. I cant pay my rent or electrical bill. Whose gon na help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my XXXX and TransUnion credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX XXXX
Product: Checking or savings account

My father passed away XXXX. One of his banks is PNC. Myself and my sister were POD. I notified them of his death. Took all the necessary paperwork in and they refuse to give me my share of his money market, savings, cds. anything that is rightfully mine.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am following up on my recent complaint. Once again, I have observed that certain accounts persist. This communication serves as a complaint and a plea for your assistance in expeditiously eradicating these fraudulent accounts from my report. Presented below is the roster of accounts I urge you to expunge : EXPERIAN : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$530.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance Owed : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$99.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

See previous submitted attachments. 
Previous attachments were giving including : a notification from me the consumer stating that my request to block is not being made in error ; nor is my request to block being made on the basis of misrepresentation of fact, by me, relevant to the identified transactions, yet, Experian failed to acknowledge my authority. Experian has the grave responsibility to insure fairness, impartiality, and respect for me, the consumers right to privacy. Clearly there is bias.
Product: Checking or savings account

After opening a checking account with Citibank on XX/XX/year>, I deposited {$3000.00} on the same day. On XX/XX/year>, I transferred {$3000.00} from my Citibank account to my XXXX account. Shortly afterward, my Citibank account was suddenly blocked, and I have been unable to access it since. Unaware that my account had been blocked, I deposited an additional {$3000.00} into the account. 

I have contacted Citibank multiple times via email and phone ( Citi XXXX XXXX : XXXX ), but the issue remains unresolved. They are still holding {$3000.00} in my account. 

Account Number : XXXX Account Name : XXXX XXXX Debit Card Last XXXX Digits : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred to M & T Bank on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to M & T Bank, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with M & T bank XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my M & T representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Product: Debt collection

Dear XXXX XXXX Thank you for your response to my CFPB report. I am writing to provide the requested information and clarify my position regarding the disputed accounts on my credit report. 
XXXX. Identification Documents : Attached, you will find a clear photo of my government-issued passport. 
Also attached is a selfie of me holding the same passport, ensuring both my face and the ID are clearly visible. 
XXXX. Responses to the Investigation Questions : How did you first become aware of the account or tradeline in question? 
I became aware of the discrepancy on XX/XX/XXXX, when I noticed it on my credit report I filed a dispute. 
Have you been a victim of identity theft before? 
Yes, I have been a victim of identity theft prior to this incident. 
Have you been notified of any data breaches involving your information? 
Yes, I have been notified of breaches involving my information. 
Have you noticed any unfamiliar activity on other accounts you own? 
Yes, I have noticed unfamiliar activities related to my reports and accounts. 
Could you confirm the email address where you have been receiving our communications? 
The only correspondence I have had with XXXXAva has been through the CFPB when I filed my initial dispute and by reaching out via email on XX/XX/XXXX. 
XXXX. Previously Submitted Documentation : I have already submitted the following documents with my initial CFPB report : A notarized affidavit, signed under penalty of perjury, attesting that I did not open the accounts in question. 
XXXX notarized FTC Identity Theft Report. 
4. Request for Immediate Action : These accounts are fraudulent, inaccurate, unverifiable, and are damaging my credit health. I respectfully request that these accounts be removed from my credit report promptly to mitigate any further harm.

Should you require any additional information or documentation to resolve this matter, please do not hesitate to contact me at your earliest convenience.

Thank you for your attention to this urgent issue. 

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

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}
Product: Debt collection

I sent a certified mailed letter to Diversified Consultants , Inc. asking them to send proof of the debt that they claim I owe XXXX. I believe this debt to be in error. They have put this debt on my credit report, I asked them to remove it until proof of the debt was made. I have tried to get this debt verified with proof on several occasions. Diversified Consultants just replies that the debt is verified, but have not sent me any proof of this debt.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXX XXXX Account # XXXX has violated my rights XXXX account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Pe
rmissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that TRANSUNION, XXXX, XXXX will handle this matter promptly and in accordance with federal law.
Product: Mortgage

I am a first time home buyer. I bought my house XX/XX/XXXX and I just received a shocking bill of paying back into an escrow account. My payment was lowered to {$2100.00} XX/XX/XXXX I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost {$13000.00} or {$3900.00} a month when my payment is & XXXX. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would be careful with Seneca mortgaging. They do n't tell you the truth. I was not told what I need to be told that my payment was incorrectly being collected. I asked I should have been told. Everyone is not able to payout all at once or have their payment raised. I was with XXXX with my loan and had no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX And all soft and hard inquiries removed aswell thanks. 
15 u.s.c1681 602 A right to privacy 15 u.s.c 1681604 A agency can not furnish a account without my written instruction.