23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I've been going back and forth with this institution for the past six months about this debt and the unauthorized use of my personal information. This company funded a fraudulent contractor who never performed worked but charged me over {$25000.00} of no service and I ask this company by the way of an Affidavit to produce documentation that their contractor performed it obligations under the signed revolving credit agreement for this home improvement. I also asked that they honor their contract where it states that if customer is dissatisfied with their product or service and tried in good faith to correct it they don't have to pay the remaining debt. See Exhibit A Also on page 4 of Seller 's contract labeled CERTIFICATE OF COMPLETION states -- -NOTICE TO OWNER Do not sign this completion certificate or any agreement stating the you are satisfied with the entire project before this project is complete. Home repair contractors are prohibited by law from requesting or accepting a certificate of completion signed by the owner prior to the actual completion of the work to be performed under the home repair contract. This entire transaction is null and void because I was manipulated by Aqua Finance to signed this agreement before the work was perform which is a clear violation of the law. For those reasons everything pertaining to this transaction should be removed from all credit reporting agencies. See Exhibit B pg 4 I sent an Affidavit of Truth asking Aqua Finance to rebut my claims by the way of an Affidavit and I have yet to receive any rebuttal denying my claim. For those reasons CFPB is required to have this account removed from all credit reports. See Exhibit C
Product: Debt collection

I recieved notification from my credit monitoring company that a new collection company was listed- XXXX XXXX XXXX. It says it was for XXXX XXXX- I called XXXX XXXX because I was unaware of this unpaid debt. They tell me my account from XX/XX/XXXX is in collections because I had a balance due- as well as unreturned equipment. I advise dit was returned and why was n't I informed prior to this, they said they sent a bill XX/XX/XXXX and that was all. They said they did n't send anything after that- that they do n't have to. How am I suppose to know about a outstanding bill or they did n't receive my equipment if they did n't send me a bill? They also state that you have up to 15 months to return the equipment- after that you have to pay for the equipment, that date was end of XX/XX/XXXX for this account. Funny how it appears on my credit bureau shortly after the time period they say I  now own the equipment and have to pay for it- when they have n't sent proof that they never recieved it. Deceptive practices!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$52000.00} XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance XXXX {$610000.00} Late/Open - XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, XXXX proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. There were several accounts removed from my consumer report by XXXX. However, XXXX and equifax will not remove said accounts. The accounts referenced are listed below XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My mother lent me a loan in order to pay my Capital One Platinum card & Quicksilver Card. They reversed the payment after my brother questioned the payment. They accused me of fraud & closed both my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

XX/XX/XXXX - account is flagged for " fraud '', not fraud its me that caused the fraud XX/XX/XXXX - im told that account flagged for " fraud '', take 10-15 business days XX/XX/XXXX - On hold Still XX/XX/XXXX - 15 business days past. account still frozen and im being charged XXXX when i cant even use the account. 
XX/XX/XXXX - Open CFPB complaint
Product: Debt collection

This is a follow up to complaint IDs XXXX and XXXX. 

No sooner than I completed filling out this complaint, the company called me back on XX/XX/18 at XXXX and left another message saying I am about to be served with papers. I called them and told them of their error ( please see previous complaints ) but they told me that I am the right person and the numbers will not be removed. I begged the woman to look at the account because the last person I spoke with said there were notes on the account stating that my number was removed, the phone number for my mother ( who is a XXXX patient ) was also removed, and the ssn was wrong. She said the social is right, it's my account, and refused to look at the notes and hung up on me. 

This company states they will continue to call me and all numbers for skiptracing of me. Even though they don't have to " look '' for me because I am actively trying to work with them to straighten this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX alleged debt that is on my credit report since XX/XX/XXXX. They say the account was open in XX/XX/XXXX. I have disputed with the credit bureaus, TransUnion, XXXX, and XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. All credit bureaus sent me generic responses/ credit reports that say valid or verified. They never sent me any additional information on how they verified and any documentation bearing my signature. I have also disputed directly with XXXX and all they send me are invoices. The dates that I disputed with XXXX is XX/XX/XXXX & XX/XX/XXXX. The amount of the alleged debt that XXXX is stating that I owe is {$110.00}. I know that's not a lot but I refuse to pay something that is not mine. This situation is causing me emotional distress and due to this negative mark I have been unable to get a better paying job. I have also been denied credit cards due to this negative mark.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my account and request an update of their status to " paid on time, '' in accordance with the provisions outlined in the Fair Credit Billing Act, specifically under 15 USC 1666b. 


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  LATE As per my rights under this federal statute, I am entitled to dispute any billing errors, including late payments, and request corrections to ensure accurate reporting. Additionally, I want to remind you of the requirements set forth in 15 USC 1637 and 1637b, commonly known as the " Billing Error Resolution Procedures '' and " Billing Error Resolution Act, '' respectively. 

According to 15 USC 1637, before any late payments are furnished to my credit report, I should receive a notice in the mail requiring disclosure or the 1637b disclosures at least 21 days prior to reporting. Failure to provide this notice renders any alleged late payments non-existent and not applicable for credit reporting purposes. 

To date, I have not received any such notice as required by law. Therefore, any late payments currently reflected on my credit report must be treated as inaccurate and invalid.
Product: Checking or savings account

When accessing my XXXX account online, I am getting the message " There was a problem retrieving your transactions and they are currently unavailable to display. Please try again at a later time. '' In checking with other XXXX retirees, this problem is impacting all XXXX accounts. The problem began on XX/XX/year>. 

Optum Bank reps advised me on XX/XX/year> that they are aware of the problem and do not have an anticipated date for resolution. When pressed for more information, Optum Bank reps put users on an endless hold or disconnect the call. 

This is a critical problem since it prevents users from accessing virtually information about their XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a faxed request to Clarity Services Inc to place a security freeze on my file. On XX/XX/XXXX, I received a response back stating that they didn't have my social security card to verify my identity. When I submitted my request, I submitted a copy of my bank statement, drivers license, social security card, and my bank statement with my address that matched my Drivers License. I need for them to place the security freeze on my consumer file asap as I provided the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to provide how they verified to Experian dispute XXXX and XXXX XXXX, if they are sending a numerical code back to the credit bureaus through the E-OSCAR system this is not a accurate and complete verification and the account needs to be deleted immediately. Please provide what method of verification under section 623 A under the FCRA through the cfpb portal. Marking complaints as duplicates is further violation under the fcra noncompliance penalties!
Product: Money transfer, virtual currency, or money service

I paid with Venmo {$2500.00} down payment on XX/XX/2023 for windows replacement for XXXX windows in my house to a repair man. I toggled the purchase protection option to protect me from scams. However, when I finally realized I was scammed and no service or product was delivered 3 months after I put the down payment, I contacted Venmo to get my money refunded on XX/XX/2023. They denied my request stating that the purchase protection feature was never activated. I am very confident I toggled that feature as I was deliberately trying to protect myself when purchased the windows and I informed the repair man that I was using that Venmo feature. 
I later found out that many people on online ( XXXX ) forums have had this problem too with Venmo!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting

The XXXX XXXX account was disputed, and Experian shows a cut off deletion date of XXXX XXXX. XXXX XXXX shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Experian did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the XXXX rule applies.
Product: Credit card or prepaid card

In XX/XX/XXXX I got Americanexpress card. The offer was XXXX bonus points if XXXX dollars spent in 90 days. I spent more than 1000 dollars. Still bonus not given. When I enquired on XX/XX/XXXX no bonus given. I enquired today also no bonus given,
Product: Money transfer, virtual currency, or money service

I have a credit line with PayPal credit ( thru Synchronic Bank ), they gave me six months for special purchase ( over {$99.00} ), but if I returned any of those purchases, they gave me credit but did not remove or update the original purchase. I noticed this problem a few  months ago and every month I need to call them to correct the transaction. Now I have more than four transactions and they don't give me the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$830.00} XXXX  XXXX {$300.00} XXXX   XXXX  XXXX XXXX {$1000.00} COLLECTIONS XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

Th

e Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

A Summons was filed on XX/XX/XXXX for {$11000.00} from the creditor AMERICAN FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX and was allegedly served on XX/XX/XXXX. Not being aware of the summons filed against me, a Judgment by default was filed XX/XX/XXXX and entered on XX/XX/XXXX for {$12000.00}. Since that time Money has been garnished from my state income taxes and my bank accounts even though the funds were exempt. ( Social Security, XXXX benefits ) Trying to stop them from taking my funds I filed a motion to object garnishment on XX/XX/XXXX and I was denied. AMERICAN FINANCIAL continued to file writs of garnishments to collect my money that was exempt. as a result, I have not filed state income taxes and had to protect money from entering into my bank account out of fear of it being taken by the creditor. On XX/XX/XXXX the creditor filed a Motion for the Judgement to be renewed which expires XX/XX/XXXX. This is a black cloud over my head and has me living in fear. 

Not being familiar with the legal process I thought that there was nothing that could be done until a family member asked me a very simple question. " where did this debt come from? '' at that time I realized that the debt in question was from a company that I never heard of. XXXX Mastercard with an original alleged balance of {$6600.00}. the whole time I was paying the debt thinking it was from something else. After this realization, I filled a police report and wrote a letter to the creditor explaining what happened and I asked for validation of the debt along with my copy of the police report. this was on XX/XX/XXXX. I sent this letter certified mail and I gave them 30 days to respond and they never did. 

This creditor has used aggressive language and preyed on the fact that I was not truly aware of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMERCE BANK, PLEASE CORRECT ALL BUREUS, ESPECIALLY XXXX.
Product: Mortgage

I started the refinance process with Loan Flight Lending in XX/XX/2020. They provided me with an initial disclosure estimate that showed the cost of my points I was purchasing to be .50 % or {$1600.00}. We got close to closing ( they provided me the final closing disclosures ) and they asked me what I wanted to do with my existing HELOC loan and I told them I wanted to get that loan subordinated just as I told them when I originally applied for the loan back in XXXX. They were about to begin working on the subordination process when they sent me a revised final closing disclosure that showed an updated cost of .875 % or {$2800.00} for the points I was purchasing. I inquired as to what the increase was related as it was my understanding that cost in this section of the closing disclosure can not change unless there is sufficient support for the change. My complaint is that there is not sufficient support for this claim as I told them at the time the application that I was going to subordinate my HELOC loan and there was a {$250.00} subordination fee listed on every closing disclosure ( initial and final ) that was provided to me which is evidence they knew I was going to subordinate my HELOC during the refinance. When I pushed them harder on this issue, the response I received from them was that my loan officer had spoken to their negotiations desk and they've decided not to honor my request to keep the discount rate the same as they've already applied a credit. I then withdrew my application from this lender as I did not agree with this business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have failed to act on my complaint of identity theft despite being sent the requested paperwork and documents on four separate occasions. As a victim of identity theft, I submitted fraud affidavits and copies of personal identification to the credit reporting agencies, a number of creditors and several collection agencies. Most of the companies resolved the issue and removed the offending accounts. One company - XXXXXXXX XXXX - ignored the complaint and is now reporting the same fraudulent account to the credit reporting agencies XXXX TIMES. Each of the accounts is reporting the same open and close date, the exact same account number, and the exact same open balance. This has destroyed my credit. Not only has the fraudulent account for XXXX XXXX not been removed, it's now being reported in triplicate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to temporarily lift a credit freeze with TransUnion credit reporting agency. I answered their questions and provided them with my personal information. In their authentication process they asked where do I currently own a property and I told them XXXX XXXX but they said I was incorrect. I called spoke with 10 people in one day and they said my TransUnion file is permanently frozen and they can not unfreeze it for me or anyone else. I asked if I could remove the freeze altogether and they repeated that my file is permanently frozen and the only way to get it unfrozen is to hire an attorney. This is an issue because I am selling my current house to downsize and I can not get another VA loan without all three agencies information. I have no issues with XXXX or XXXX but TransUnion says there is literally no resolution to unfreeze my credit. This is terrible because I am a retired XXXX veteran on a limited income and if I cant get my credit pulled from TransUnion I will lose my {$22000.00} deposit for my new home. Its complete nonsense that I cant unfreeze my own credit report. I have sent a letter in writing with my US passport, license, and social but TransUnion says they are permanently freezing my credit.
Product: Credit reporting or other personal consumer reports

I paid off a loan with XXXX XXXX ( refinanced with XXXX ) at beginning of XX/XX/scrub>XXXX XXXX. I received my payoff letter soon thereafter. I noticed that my credit report was reporting that I still had an open account with XXXX but them my credit got hit because it looks like I haven't paid them off. So the new loan is showing but still XXXX XXXX  months later it still hasn't been removed. I then disputed with all 3 credit bureaus and everyone reviewed what i submitted and closed the account except experian. Not only did they not remove it thru actually said it was reporting correctly and marked me as making a payment for XXXX. It's affecting my credit score because they will not remove the incorrect. I do not believe they even investigated it as the other two reporting bureaus took it off.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX XXXX. 
I've been hacked for {$1100.00} on the card. The bank has been taking my credit line and eliminating it, causing a XXXX point drop in my score at all bureaus! This is the second breach on my account in 3 months.! 
Nowhere in the terms of service does it say that they can adjust your limit according to the ups and downs of your credit score! I've suffered irreparable damage that will take years to fix! 
I wish to file this complaint immediately!