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

I originally reported the account- XXXX XXXX XXXX ( amount {$4000.00} ) to the bureaus because I did not knowingly agree to XXXX timeshare putting a credit card in my name and charging it. XXXX removed the account, but XXXX and Experian did not - due to the credit card company reporting as accurate. 

I contacted the credit card company on XX/XX/year> and explained the situation. They closed the account and put it under investigation. I asked if I could receive something stating that the account was closed so that I can report to the credit bureaus. The rep told me I'd have to mail in a request for that, which didn't make any sense to me. I filed another dispute with Experian and XXXX that the account was closed. The credit card company still reported the account as active. 

I called back on XX/XX/XXXX. 2024. They confirmed that the account was closed and stated that it would take 30 days to investigate. I asked why I needed to mail in a request for proof of account closure and/or investigation status. That rep to me I didn't need to mail anything. She confirmed my address and told me I'd receive something within 7-10 business days. I did not. 

I called back XX/XX/year> and they first said a letter did go out. After repeating that I never received anything- she said they don't have a way of resending. I told her that made no sense. She then placed me on hold and came back minutes later to say that a letter was actually sent out on XX/XX/XXXX. When asked why it wasn't sent out on XX/XX/XXXX - she stated that the address wasn't updated. I told her that I've spoken to Noone from XX/XX/XXXX - to XX/XX/XXXX - so what address did they send to? She refused to provide an address. She then said she needed to transfer me to security so that they can get the correct address from me ( despite them already sending me a bill previously ). She also mentioned that the investigation may take 90 days. I told her that I was first told 30 - now she's saying 90. She said it takes up to 2 billing cycles, not exceeding 90 days. 2 billing cycle is 60 days - so nothing she said makes sense. 

She then transferred me to security, and I had to provide the address again. 

It seems as though I'm just being told misleading things. I haven't received anything regarding the investigation, and I don't understand why the company is still reporting the account as active to the bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a XXXX XXXX collection with a PAST DUE BALANCE of {$.00} As well as a XXXX account they said Account information disputed by consumer, meets FCRA requirements. 
I asked Transunion to reinvestigate this error on my credit report and they verified the information as accurate and will not let me re dispute these accounts again. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards 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 have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Bank account or service

Discover Bank has messed my account up once again by not talking to me as customer and has closed my account out without explaining any issues or talking to me as a customer. This bank has been absolutely horrendous. I have never had so many issues with a bank or been so disrespected in my life. This bank has no regard for me as a customer and will try to count my account as a charge off after denying me multiple amounts of information. Not accepting information that was sent to them. I spoke with the bank today XX/XX/2017 at XXXX by XXXX all access to my account was shut off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXXXX**** XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Prepaid card

XX/XX/2023 my chime account was hacked and i called chime when i seen i was locked out of my account while on the phone with the rep i was speaking to my whole XXXX in my account was stolen and the woman looking at the screen while talking to me said i see it happening but its nothing i can do. So i filed a claim they told me it was my fault that i sent the money myself. I asked how when i was on the phone with chime while it was happening trying to figure out why i was locked out. I sent and did everything they said do to get it back but. I ended up losing my home now XXXX and lost my job and never got my money back or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX I was looking for a loan and was told by XXXX at XXXX XXXX it was possible to get a {$2000.00} loan using XXXX XXXX XXXX XXXX in Va. 
They sent me the contract and I filled it out, there was two ways of getting it approved and so I chose the second one of paying a XXXX dollars which would be refunded on XX/XX/XXXX, They wanted it on an XXXX {$100.00} card, which was sent today. 
Then I was told by XXXX that the money would be transferred into my bank account within the hour, it's a hundred miles home, after we got home, I checked my account and nothing was there. 
I then opened my email and found a letter from a XXXX XXXX with the Kansas Dept of Finance, XXXX XXXX XXXX  MANAGER, wanting {$160.00} plus {$8.00} for a stamp that had to be paid by XX/XX/XXXX. 
I called the zlending company back and talked to XXXX who had told me that he would call her and see if they could take it out after the {$2000.00} was put in. 
They closed at XXXX XXXX eastern time and right before that he called back and said it was denied. 

By this time I was suspicious and found the right number to call the Kansas Bank XXXX and talked to a community care person, who told me no one by that name worked there and it sounded to her like a scam, as no legal loan company would demand money. 

So I played dumb when I called the loan company back, they told me since I had refused to pay the {$170.00} I needed to send them an email saying I was not going through with it. 
Then when I got that letter back it said they could take {$100.00} back for cancelling the loan, so our {$100.00} XXXX card we sent would not be returned. 

I don't want others taken by these scammers and I think you need to investigate them thoroughly. 

I am attaching the letters, phone numbers and everything to send to you. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Went to the bank on XX/XX/2016 to cash a check with my account, only to be told my account was being closed. I had a good status with the new account. Now my start to a new year is in a whirlwind and I feel it 's truly uncalled. No one has answers. Just telling me that it was there choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I downloaded a copy of my credit report from all three Credit Bureaus. I noticed an account XXXX XXXX XXXX was reporting erroneously. On all three reports, the account was showing derogatory status despite the account being satisfied in fill. I disputed this account with all three bureaus. I also emailed XXXX XXXX XXXX, since every letter sent was returned. To date, XX/XX/XXXX, XXXX XXXX XXXX has refused to delete the account even though the account has been satisfied in full. XXXX XXXX XXXX told me they are not required to remove closed accounts, even though there are errors. XXXX  and XXXX  complied and removed the account. Transunion has refused to remove the account and has not provided information to prove they validated the erroneous account.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/2019. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Debt collection

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings  regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Debt collection

This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim and validity of this debt is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on this charged off account. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in " counter claim '' small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX, Texas XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

The so-called debt does not belong to me. It is due to identity theft. 
Debt collector attempted to collect on disputed debts using unlawful collection letters and misrepresentations. Often making harassing calls at odd hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account Is Fraud This is very Stressful that I'm a victims Of identity theft I'm a Single Mother That work very Hard for someone to steal My personal Information is just wrong
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XXXX. 
I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified bu
t how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

( List of accounts Accounts ) Name of Account : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Name of Account : XXXX  XXXX XXXX Account Number : XXXX
Product: Mortgage

My mortgage lender keeps " holding '' our monthly payment to apply a late fee. 
payments sent through the bank or mailed always post between XX/XX/XXXX-XX/XX/XXXX regardless what day the payment was mailed on. Their investigation department took all of 5 minutes to review and determine that the payment was late and imposed the {$110.00} late fee. 
They continuously call my cell during work hours leave messages on my cell contact my husband every day to make the payment using their automated service- which they charge {$19.00} - I get 3 calls a day beginning on the XXXX of the month.
Product: Credit reporting or other personal consumer reports

I got notification that federal Navy credit union reported XXXX of my accounts as me being deceased. I did go to a notary today. Got a letter sign stating that I am alive. I will attach that document.
Product: Money transfer, virtual currency, or money service

I received some money transfers in my Venmo wallet. These transfers were from Venmo members to me. Venmo informed me that my account was frozen and that I would have to verify my identity by sending in a picture of my driver 's license. I called into their support and spoke with XXXX XXXX ( XXXX ) who received my driver 's license and sent my response to the evaluation team on XX/XX/22 at XXXX XXXX. I was told that this step was needed to reactivate my account to receive so that I could access my funds. On XX/XX/22 at XXXX i received an email from XXXX XXXX XXXX ( XXXX ) stating that my account has been permanently deactivated for a violation that they won't explain. Also, it said my funds will be held for up to 180 days and I XXXX have access to them or not in the future. 

I then sent a response telling Venmo that they can't steal from me and not explain the process to reactivate my account and access my funds. The amount is substantial to me {$8700.00} and significant because I am experiencing financial and economic stress. They have not provided me an explanation or pathway to accessing funds that are mine. 

CFPB I could really use your help. Also, my attachment includes the XXXX emails received from Venmo and my response to them after my account was banned without a pathway to reactivation or accessing my funds.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true. I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. Car sold account balance paid in full XX/XX/XXXX
Product: Checking or savings account

Chase bank closed my account on XX/XX/year>. My direct deposit payroll check still got deposited somehow even though they closed my account. My payroll deposit said the deposit never got kicked back or sent back. Chase refuses to tell the truth as they have stated a check will get sent to me and also stated no check ever got sent out. Keeps giving me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 inquiries were done by Capital One Auto Finance on the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I recently discovered the unrecognizable Inquiries on my credit report and called the number listed on my credit file ( XXXX ). They answered and told me to call XXXX. I called XXXX  and they stated I needed to call them to get a letter of deletion and I told the XXXX rep that I already called and they didnt have the proper information to verify the inquiry. The XXXX rep told me to file a complaint.