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

on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account Number : XXXX Original Creditor : CAPITAL ONE BANK ( USA ) N.A. 
Balance : XXXX This will be my second complaint I am submitting against XXXX XXXX XXXX before I seek council for Fraud and Identity Theft. I have tried to resolve this matter with this company to many times and the results they have provided are useless. I have no Knowledge of this account what so ever. This company has my name and social security number on there private accounts for a debt that doesn't belong to me. I have asked for a simple contract and a simple promissory note that has to be attached to there terms and conditions and they have failed to produce either one. This means they are not the HOLDER IN DUE COURSE of this alleged debt according to Subsection 3-302 under the UNIFORM COMMERCIAL CODE. Since XXXX XXXX XXXX won't remove this alleged debt from my credit report and claim I owe them, then I am now seeking ( Recoupment ) under U.C.C. subsection 3-305 Defenses And Claims In Recoupment. Fraud is the factor here and this company is in VIOLATION and all its entities who conspire to help XXXX XXXX XXXX. Please submit the evidence to me that I have provided for you in the resolution section of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with a financial institution and a credit card bureau. 

I am a customer of Discover Card ( phone ) XXXX ) ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX I applied to Discover Card for a credit line extension on XX/XX/2023. I was told by phone that my XXXX credit bureau report has a fraud alert. I was told to call XXXX and have it removed. I stated to Discover card I did not place a fraud alert on my credit report. I called XXXX credit bureau ( phone ) XXXX. XXXX stated by phone they did not place a fraud alert and they have not at anytime place a fraud alert on my credit report. I made 3 phone calls to Dicover Card and 2 phone calls to XXXX. 
This incorrect mistake can be solved with communication between the two companies.

Discover Card said they won't call or contact XXXX solve mistake. 
XXXX stated they will not call or contact Discover Card to solve mistake. 
I would like this mistake resolved and fraud alert removed from my Discovery Card credit line extension application? This has caused a stop on my credit line extension application. Please contact me about solution Thanks-
Product: Money transfer, virtual currency, or money service

Late at night on XX/XX/year> I received the following email : " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. 

We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account, but you will no longer be able to access your Venmo account. '' I request that VenMo please reconsider this decision and double-check my account. 

As you can see from my account activity, I haven't received any money for any transactions, except for transfers to increase my balance as I've only used it sparingly to pay friends relatively low dollar amounts as well as pay the balance on my VenMo credit card. 

There are no -- and have never been -- any references to this account on any website or social media account as it's never been used for any business purposes whatsoever. 

This account is XXXX XXXX XXXX and was in complete compliance with policies. If there were any issues I'd be completely open to fixing them and making sure they stay that way. 

Can you please look into the history of this account and if there are any issues give me a chance to do whatever I have to do to get it restored? 

I was an honest user of VenMo and request to work this out.
Product: Money transfer, virtual currency, or money service

XXXX XXXX2024, I paid a vehicle partial down-payment of {$650.00} USD, to XXXX, from my XXXX XXXX XXXX  Account through CashApp . However, the full down-payment amount was {$3000.00} USD, which I paid by other creditors. The dealership XXXX XXXX XXXX XXXX sold me a XXXX white XXXX XXXX it was to be shipped XX/XX/XXXX from XXXX XXXX and arrive to the USA between XX/XX/XXXX, XXXX XXXX. The car dealership, XXXX XXXX XXXX XXXX, which advertised on/from The XXXX Platform XXXX which the representatives from XXXX verified this car dealrship as legal. I spent well over {$5000.00} by the time XXXX XXXX, and the car never arrived. I asked to be reimbursed and was denied by XXXX and CashApp .I made a police report as well as reported to XXXX XXXX so they are investigating and had I known I was being scammed ; I would NOT have spent the money.
Product: Mortgage

I currently have an account with Freedom Mortgage. Ive been going through the process of selling my house using the assumption loan option since XX/XX/XXXX and the assumptions department have yet to move to the closing phase. Theyve taken their time asking for additional unnecessary information from the buyers, refusing to speak with all parties involved at different points in time, not allowing me to speak with them directly, giving me the runaround, refusing to update me on the process, inaccurately denying the loan, not allowing us to file an appeal, I filed a complaint showing the underwriters alternative documentation that can be accepted instead of denying the loan, Ive filed multiple complaints and I am still getting nowhere. Just this morning the assumption department requested more information from the buyers and to me they will not update and just want to notify the buyer. I am XXXX XXXXXXXX as of XX/XX/XXXX living in the state of Washington with a wife and XXXX children and we plan to move to South Carolina so I need to be updated also so I can plan accordingly. Because the assumptions department will not give us a closing date I had to plan ahead and ship all my home goods to South Carolina so now my family is here in an empty house and weve spent our entire summer here. After the initial loan denial, the buyers were magically approved and the process began again. The buyers have been approved for over XXXX weeks and the assumption department and underwriting are still requesting additional paperwork from the buyers. My realtor spoke with the buyers and they have given the assumption department everything thats been asked of them and more. My loan officer blames underwriting for all the delays and additional information needed but takes no accountability for herself. The supervisor is the assumption department stop speaking to myself and never responds when my realtor reaches out and questions clarity on the requests of these additional documents. When I speak with inquiry representatives they say they dont work in the assumptions department but will notify them and nothing happens. The have all the information needed to approve the loan XXXX times over but keeps extending the process by requesting documents and ignoring us when we ask for updates and then requesting more documentation and now here we are nearly XXXX months later. At this point I see no other reason to why were being treated like this than discrimination and retaliation for me calling and complaining. All I want to do is finish this transition from the XXXXXXXX XXXX XXXX  and closing on this house is a big step. My wife and family still have to get jobs and enroll in a new school but we cant because were still stuck here in Washington. Ive explained all of this to the assumptions department and they dont care to look at the human side of things. Instead theyre toying with us by their actions as stated above.
Product: Checking or savings account

I submited XXXX claims for XXXX transactions on the same store, all those claims are being handling by different procedures, persons or departments, because all of them have different results. I submitted another claim with the CFBP under this claim number XXXX and was approved by the bank. 
Now Im submitting this claim for the same reason than the last one, the bank closed the claim without any letter or explanation and removing the provisional credit. 
Wellsfargo case XXXX XXXX for an ammount of {$1000.00} I made the purchase a XXXX XXXX on XX/XX/XXXX, but the seller never sent the product, also never provided the tracking number or any kind of shipment information.
Product: Credit reporting

Someone from the " XXXX, '' a debt collection agency, put a negative entry -- out of the blue -- on my Experian credit report in the amount of {$85.00} for account number # XXXX. XXXX bought this debt from XXXX I know this because the report lists XXXX as the original creditor. At any rate, I disputed this with Experian and they claimed the dispute was valid. This is not impossible as I have never had any credit/loan/debt/services or anything from XXXX. XXXX has no information to prove that this debt is valid ; they only provided Experian with my identifying information. Experian did not investigate, thoroughly. Also, XXXX can not provide me or Experian an original bill with date, times, and amounts where I took out an {$85.00} loan/credit/service with XXXX or XXXX for that matter. The last time I dealt with XXXX was over XXXX years ago when I closed an account owing ABSOLUTELY NOTHING. I would like this egregious negative claim removed from my credit report.
Product: Vehicle loan or lease

SANTANDER CONSUMER USA was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. SANTANDER CONSUMER USA was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX XXXX, TX XXXX delivered XX/XX/XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course by furnishing the original contract that I rightfully requested per Texas Administration Code Title 22 Part 22 Chapter 501 Subchapter C ( a ) ( 1 ), to send me the accounting and True Bill not a statement, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus and {$10000.00} per month following dishonor in 30 days as required by law. SANTANDER CONSUMER USA did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.
Product: Student loan

I have been working with FedLoan over the past 2+ years to review 31 payments that they marked as ineligible for Public Student Loan Forgiveness , but every time I or my husband call they say the review is still pending - most recently today ( XX/XX/20 ), and there is no resolution in sight. 

The payments marked as ineligible for PSLF in my online FedLoan account are claimed to be denied due to " No Bill '', " No Payment '', or " Outside Window '' which are untrue. These student loans were serviced by XXXX at the time and I have offered to provide billing statements from XXXX and statements from my bank showing payments processing during the disputed periods, but FedLoan has continually refused this documentation.
Product: Debt collection

I received a call from " Pioneer Credit Recovery '' on XX/XX/2022 at XXXX XXXX where I missed a call. I received another call on the same day at XXXX XXXX and they asked for me by name then the agent told me that I owe {$560.00} and that they show this debt from the U.S. Department of the Treasury, Bureau of the Fiscal Services. I asked what the debt is for and he said that is the only information he can see. I let the agent know that there must be a mistake because I don't have any outstanding debts, then I asked to be put on the do not call list and hung up. 
Since then, I have had to block the number but my phone shows me when blocked numbers still call and they have called me 3 times a day for most days since. They have also sent me a letter with no further information about this " debt '' other than it went from me owing {$430.00} as of XX/XX/2022 and that I wasn't charged interest but somehow the " Total amount of the debt now : {$560.00} ''. So not only are they trying to say I owe from a branch of the government I have no affiliation with but they are also trying to tack on an amount for nothing? This is clearly a scam.
Product: Credit reporting or other personal consumer reports

Between April 15-25, 2024 XXXX, Experian, & XXXX received XXXX letter regarding 15 USC 1681 et seq ( FCRA ) violations on my consumer report with clear instructions to removed violations as agent for the principal with XXXX being XXXX only XXXX to respond. See Exhibits XXXX Then on XX/XX/year> XXXX, Experian, & XXXX through XXXX XXXX, all engaged in unfair and deceptive acts or practices when they altered my consumer/credit score for a period of XXXX  days after receiving the letter. XXXX Exhibits XXXX and XXXX. 

This unfair and deceptive acts or practices also shows that in the last XXXX  months a gained of XXXX points to consumer/credit score according to Experian. How is this even possible? See Exhibits K-L There was no lawful reason for them to commit these unfair and deceptive acts or practices. This was done with malicious intent, and willful non compliance by XXXX, Experian, XXXX causing pain and suffering to me. 

What XXXX, Experian, XXXX all failed to realize is that they are reporting the information of the Creditor ( UNDERLYING PRIVATE INVESTOR ) which is not the bank in accordance with ( TILA ) 15 USC 1602 ( e ), ( g ), & ( l ), ( e ) The term person means a natural person or an organization. ie XXXX natural person ( g ) The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than XXXX installments or for which the payment of a finance charge is or XXXX be required, and ( XXXX ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness et seq, ie Making me the creditor ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ie the Social Security XXXX XXXX making me the one who extended the credit. 

This will be reported to Massachusetts XXXX XXXX and FTC it also serves as my XXXX  Day Notice of intent to sue XXXX, Experian XXXX XXXX XXXX for engaging in unfair and deceptive acts or practices under FTC 15 U.S.C.Sec. 45 ( a ) ( 4 ) ( A ). XXXX XXXX XXXX Section 2 aka Massachusetts Consumer Protection Act, and 15 USC 1681 et seq ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have tried to get this information fixed on my account because it doesn't belong on there and the company still keeps it on there. Please get this information off of my account now. The accounts are : 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 XXXX XXXX XXXX XXXX XXXXXXXXThis is all that they have on my report and if I hadn't looked I would have not known that my credit report is a stowing place for junk.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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, credit repair services, or other personal consumer reports

These unfair mechanism has broken plenty of laws and taken advantage of me the consumer by not taken my claim seriously, This has caused me an financial burden, financial injury and defamation of character because of a 30 day no response
Product: Money transfer, virtual currency, or money service

I have sent money rent over Zelle and multiple times my landlord didnt get it or it takes the money then cancels or denied the transactions.
Product: Mortgage

I made several calls on Saturday, XX/XX/2022 to extend my CARES act forbearance to the remainder of its eligibility, however I was told multiple times that I was unable to extend until I am within 45 days of my forbearance end date. After detailing that this is a violation of the CARES, I was still denied under the guise we didnt deny you, we just have to wait until 45 days or less due to internal Loancare procedure and limitations. I believe this to be within their ability and that this either an act of malicious negligence, or legitimate violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX  XXXX XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX  # XXXX  - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've tried to access my credit report for XXXX days but Experian refuses to email me my USERNAME.