23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XX/XX/XXXX I called into Quicken loans ( XXXX ) to inquire about potentially refinancing my VA mortgage. At the time, the agent who assisted was asking for details around my finances, home value and taxes. The agent also inquired about my credit situation at the time. As she was collecting my information she expressed that she needed more information, so I provided it. The information involved personal demographics and my social security number. At no time did the agent apprise me of a credit bureau inquiry and I did not think she would pull a hard inquiry. But she did. And since then it has had an undesired effect on my credit worthiness. 

Any time I have refinanced my VA mortgage, I have not had to endure a hard inquiry but have always needed to provide my social security number. 

On XX/XX/XXXX, I called Quicken Loans ( XXXX ) to request having the inquiry removed. I was followed up with on XX/XX/XXXX by XXXX XXXX, and advised that providing my social security and other information was implied consent, and the company had every right to do the inquiry - at that time. He also informed me that ( at that time ) this was an acceptable practice at the company but their policy has since changed as of XXXX of XXXX. As of then, he informed me, they must have express consent prior to pulling credit. I asked XXXX to pull the call to validate the non-authorized inquiry. However, he explained to me that there are only six months of call recordings available before they are deleted. 

I would like to have this complaint on record and request that this be further investigated since Mr. XXXX admitted to me that this has been a historical issue within his employer and its business practices and on the basis that these records are disposed of before a reasonable time frame. 

Thank you,
Product: Debt collection

I found out that a XXXX XXXX account was opened using my social security number. I also filed a police report on XXXX XXXX, 2013 stating such. This debt has been sold to multiple collection companies over time. Pinnacle Credit Service has reported this on my XXXX report without validating the debt, which is a violation of the FCRA. I have sent multiple letters, which has included the police report to Pinnacle or their associates, in which the collections will then change hands. I am extremely upset that this company is willing to report such damaging items on my credit report without validating the debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from report they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

Venmo has terminated my account with no explanation and intends to keep several XXXX dollars that is mine. They have stated they will no longer respond to my emails. 

On XX/XX/XXXX I sent an email to venmo in response to them freezing my account for improper use. They did not provide any details how I violated their policy. It was a very vague email.I am a small legitimate business that hosts events so I am unsure what about my business was in violation. 

I received no response back so I followed up on XX/XX/XXXX asking for assistance with my account. 

On XX/XX/XXXX I still received no help with my business account and I sent another follow up email. 

On XX/XX/XXXX I sent an email to their support team on XXXX and received a response. we exchanged emails back and forth and said a rep would email me. 

On XX/XX/XXXX a rep email me stating After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Which means they closed my account with no explanation as well as stole XXXX  of dollars from my business. Im submitting a request as a last effort to get my money back before sending a letter from my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, Experian and XXXX  a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on Experian 's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX Experian advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with Experian and the equivalent with XXXX  and XXXX with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with Experian and I have found no option with XXXX  through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.
Product: Debt collection

I have been continually receiving text messages from Capital Link Management ( https : //capitallinkmanagement.com ) asking me to contact them about collecting someone else 's debt.
Product: Debt collection

Hello, Ive been dealing with Discover since 2021. I lost my job and was a college student at that time so I had no time to work. I still dont have a job, I managed to get support to pay it off but they sent it to collections and put a negative on my credit. I begged them to remove it and they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX  account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXXXXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In the XXXX  of XXXX, I received a letter Stating it was from XXXX and that I owed the company " {$5000.00} ''. I called the number on the letter, and it directed me to a third-party number, not XXXX. I didn't pay the requested amount since there was no itemized list of the charge and why I'm asked to pay this notice. I called XXXX XXXX and they had no record of " overpaying wages '' so I left it alone. 

In the XXXX  of XXXX, I received another letter from a debt collection company XXXX XXXX that I owe {$6100.00}. I called their number and got ahold of a representative stating my case and asking for an itemized list of the charges and that I don't why I'm being put into collections. The representative couldn't give me an answer and said to contact XXXX for more information which I had already done and that the amount was different from the original mail I received. I asked you to dispute these charges and send me proof of debt before I pay off any amount on this account. 

No word from the collection company since XXXX of XXXX and I see that it has hit my credit score as a disputed collection account. I contacted them on XX/XX/XXXX. No answer from the number but I left a voice message with my contact info XXXX. The same day that afternoon I called a different number on their website XXXX and spoke to a representative stating I wanted proof of debt for this account before I paid it off and she said she would email to me within 24-48 hours. 48 Hours have passed and when I contact both numbers it disconnects me stating it's not available and I can't leave a voice message. 

No proof of debt has been provided over the 18 or so months since I was first mailed.
Product: Credit reporting or other personal consumer reports

TransUnion Fraud Victim Assistance Department po XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) | have made. It is the result of identity theft. 

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  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Debt collection

I received a bill from XXXX XXXX Acct # XXXX in XX/XX/XXXX and made payment arrangements which are current and never late and in good standing. I spoke 3x to an XXXX  rep ( last to a supervisor named XXXX on XX/XX/XXXX ) who stated the above and said I do not owe any money nor was I referred to AssetMax a collection agency. XXXX also stated they do not use this agency. The account # for the amount owed to XXXX is the same as the account # for AssetMax. XXXX advised me to ignore the 3 letters I received in the last week from AssetMax. I called AssetMax and was told I owe them money for the balance of the XXXX XXXX   performed at XXXX ( same date of service and same amount ). Aria gave me a number XXXX XXXX XXXX to XXXX XXXX who has access to the same system and said I'm in good standing w/my bill. They advised me to ignore the letters received from AssetMax. I'm already paying this bill and in good standing. It's illegal to collect twice on the same account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans from 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  XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a camper and XXXX XXXX assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or XXXX late payment.
Product: Payday loan, title loan, or personal loan

Sun Loan Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX reports to XXXX and XXXX. They have different information on each bureau. 

I originally tried to dispute the issues with each bureau and each claim to have verified the information. 

XXXX has the status as " Closed '' as of XX/XX/23. XXXX has the status as " 90 days late '' as of XX/XX/23. 
I have tried to correct this issue with both and then got my credit report to verify. No changes were apparent. 
A copy of each report is included here. At least one is in correct and I believe both to be erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and faxed over documentation to the major three credit bureaus regarding addresses on my report that are incorrect, and the information was not removed as I requested. I have been at my current address for over 10 years. Please contact the bureaus about this request. The bureaus are supposed to report accurate information and in this case they are not. 

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

I have tried to get this removed from my credit report I also I have called to dispute them I have filled a police report that someone has been using my information no one has helped me try get this removed from my credit report im trying to fix my credit score I never had anything under my name before or any thing no car no house no loan no bill 's I live with my parents every thing is under their name 's so I don't understand why this is still on my credit report
Product: Credit reporting or other personal consumer reports

I sent letters off to XXXX XXXX And Equifax in regards to A alleged Late payments on my XXXX XXXX account.I have not received a Reasonable or proper response and it has been more that 30 days.15 USC 1681 a speaks on accuracy of a consumer report15 USC 1681eb speaks on consumer reporting agencies furnishing accurate information on a consumer report.Accuracy means all values. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. It would be more than fair to remove and delete said item off my account ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$28000.00}, {$62000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$62000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONFIRMATION NUMBER : XXXX I am filing this complaint because Equifax has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax XXXX XXXX XXXX XXXX XXXX due to the failure to respond to a dispute letter I sent on XX/XX/2023. The dispute was related to several inaccuracies present on my credit report, which included personal information, XXXX XXXX ( Account Number : XXXX ), XXXXXXXX XXXX ( Account Number : XXXX ), and a bankruptcy filing with reference number XXXX. 

Despite mailing my dispute within the appropriate timeframe as required, I have not received any response from Equifax to date. This is a direct violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ), which mandates a timely response and resolution within 30 days. 

Enclosed with this letter is a copy of the original dispute I sent to Equifax, serving as proof of my attempts to rectify these inaccuracies.
Product: Credit card or prepaid card

In XX/XX/2020 I was told by a Lowes employee that I could make a large payment on my Lowes credit card that day to make a purchase that day and get my 5 % off my purchase. I paid {$3000.00} to my Lowes card ( Synchrony Bank ) and when I tried to use it for my purchase, it was declined. My bank had pre-authorized the transaction. I was then told that since my credit limit was {$100.00}, I could not spend {$3000.00} on my Lowes card, even though I already paid that amount on my card. The transaction to pay on the Lowes card came from my debit card. I had a 3 way call with my bank and the Synchrony bank people to try to resolve it. The store was unable to make an adjustment and refund my {$3000.00} as well. Luckily my bank had put in a provisional {$3000.00} to cover me. 
I called Synchrony Bank at XXXX on XX/XX/2020 to ask them to credit the money back to my debit card and they have told me they can not do that. They stated so had to wait for 7 days from the date of the transaction to be issued a check that I would then receive in 7-15 business days. They took the money instantly but can not return it the same way. I spoke with a supervisor named XXXX who continually stated they can not return it electronically and I would have to wait until XX/XX/XXXX for them to even issue a paper check to be mailed. That is bad business and I feel they should not be getting interest on my money for an extra 2 weeks. I need to pay the bank back that money. Please advise.
Product: Credit card

In XXXX 2014, Bank of America permitted a balance transfer from my BOA XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. BOA refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have been having trouble with several accounts being reported to my credit reports that do not belong to me. I was informed that my information was sold and bought illegally because Im a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching ( XXXX ) proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. I have also attached ( XXXXXXXX ) the claim that I placed with Equifax for damages. 

I have attached a letter that explains more in detail