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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  and CAPITAL ONE  has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX Account number : XXXX I am writing to formally request the removal of an account that was sold from the original creditor to a new creditor from my credit report. The account in question is detailed below : Original Creditor : XXXX XXXX XXXX New Creditor : XXXX XXXX Date Opened : XX/XX/year> XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section 623 of the FCRA, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed. 
Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the FCRA. Refer to Section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information.

Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an investigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the 30-day period mandated by the FCRA.

Enclosed, you will find copies supporting documentation, including a letter from the original creditor stating the closure and charge-off of the account and transfer of the account, proving that the account was sold to a new creditor. Please update my credit report accordingly to reflect this change and remove any inaccuracies.

I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the incorrect information. Should you require any additional information, please contact me at the phone number or email address provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in XXXX with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

During transunion breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/XXXX
Product: Credit card

I pay my   XXXX   XXXX   Credit card via automatic debits, and also have estatements. I notice my minimum payment continues to rise, yet I rarely use the card. I looked online and see that I am charged approximately  XXXX  per month for " debt prot '' -which I have never authorized. It appears that this has been charged to my account for at least 2 years, which is as far as I can go back online. This is approximately  XXXX  and  could easily be more as I have had this card for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

report correct balances on credit reports should be all at {$1700.00}!
Product: Debt collection

I received a phone call, XX/XX/XXXX, stating a Civil Legal Complaint had been filed from XXXX XXXX, Hawaii. 

They left the phone number for the law firm handling my case, ( XXXX ) XXXX & Case Number XXXX - to which I called. The gentlemen I spoke to confirmed the information in the message I'd received via my case number. He asked me to confirm the last 4 of my SSN ( which I regrettably did ). He then read to me my entire SSN to which I did not acknowledge. 

I asked what this was from and he stated that it was an outstanding debt from Chase Bank. I explained that the debt was from XXXX and was time barred/statute of limitations. He told me that the climate had changed and they were pursuing civil legal action and that I would receive notice by mail. I've yet to receive any notice. 

I've tried to contact the number again but there is no answer. I've additionally placed a freeze with the credit bureaus. 


Thank-you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau is in violation of UDAAP ( practicing deceptive practices ). I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. XXXX CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). 

XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX I am also attaching my Driver 's License as XXXX frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have access to my Equifax account and was unable to verify via photo id upload and was not given another option as to how to verify my identity
Product: Debt collection

This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

XXXX months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of XXXX has this so called debt now. I submit another dispute with TransUnion and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, XXXX could not verify the debt and sold of the debt to a new collection agency, AFNI INC. That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?
Product: Debt collection

In XX/XX/XXXX, I was sent garnishment documents from Gurstel Law Firm regarding a XXXX debt ( File # XXXX, XXXX File : XXXX ). This was a debt submitted for consolidation in the XXXX XXXX XXXX XXXX. As the debt was already in a negotiated payment, there was nothing more to be done at the time. 
In XX/XX/XXXX, I received the " Notice to Discharge and Release Garnishee ''. 
Recently, XX/XX/XXXX, my employer received the same original documents from XXXX, for garnishments for the same case. I submitted the Notice to Discharge to my employer, but the garnishment was still taken. 
How do I recover the ill-taken garnishment? And is there any action I can take against the firm that resubmitted an already settled file to the court?
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX - & XXXX XXXX XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$710.00} XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$730.00} XXXX XXXX, XXXX Choice Recovery illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, & XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX far a hard inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX  XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX & XX/XX/XXXX Port XXXX XXXX XXXX XXXX XXXX illegally reported a hard inquiry to XXXX, XXXX, XXXX XXXX for a hard inquiry. 
XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXr ( XXXX XXXX, SD ) illegally reported an improper use of report to XXXX, XXXX, & XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. ( 15UCS 1681 SECTION 604 A SECTION 2 ) States that a Consumer Reporting Agency " can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am writing to formally dispute debt collection account listed in my report which I believe were fraudulently opened without my consent. 
As a XXXX XXXX, I was in the United States like a XXXX XXXX XXXX in XXXX, during which I obtained my Social Security Number. However, I departed from the US in XX/XX/XXXX. I returned to the US under the XXXX for XXXX program on XX/XX/XXXX ( attached below is documentation of my entry and exit from the US border ). 
It has come to my attention that i have a debt account listed under my name in my credit report, which I did not open ( {$9.00} ). 
I have already written to the collectors and XXXX XXXX credit bureau about this account, but this account has not been removed from my report. I kindly request that this account be disputed, closed, and removed from my report promptly. This action is necessary to ensure that I can begin building my credit history in this country and proceed with opening a debit card and pursuing employment opportunities without further hindrance. 
Thank you for your attention to this urgent matter. I look forward to your swift resolution of this issue.
Product: Credit card

My partner opened a XXXX credit card with 5/3 Bank in XXXX. As an authorized user, when we received the welcome package with two credit cards, we thought because the two cards belongs to the same credit account, there were two cards with different names, but the same acct number. I registered the credit card on the app and the system allowed me to do it and I verified all the documents and it did not says that the card that has to be registered on the app is the Primary not the Auth user card. I ( Auth User ) verified constantly the 5/3 App to see the Acct Balance, Due Date, Minimum Payment, etc and it shows 0 ( zero ). Also, we didn't received in the mail the account statement, nothing. Yesterday, XX/XX/year> the Primary received a phone call from a Collections Dept telling him that the XXXX Account is past due. When he called me ( Aut User ) and he told me the last 4 digits of the credit card I told him, it's impossible, because the last 4 of my card are different and I'm still waiting for the statement and I didnt received anything. I called today XX/XX/year> to Customer Service because it's closed on Sundays and I asked for a Supervisor ( XXXX ) I asked and she identified herself as the Customer Serv Dept Supervisor. I explained to her all the situation and it surprises me that she didn't verified why we didn't received the statements by mail, the status of the account, nothing. I know that is a right of the customer to know all the details related to the account and the bank is required to verify everything related to the account and proced to Rehab the account. ( New credit acct, cust didn't received statement, cust didn't know what credit card he needs to register on the app, he don't know anything about the acct ). The Supervisor ( XXXX XXXX was talking over me, Several times during the call she threatened me that she was going to end the call when I asked if he could transfer me to a manager or whoever the customer service manager was and she categorically said no. She refused to give me any information. She was in a challenging attitude during the call and I even told her that she could not threaten me that she was going to end the call and even less deny me information, that those two reasons were grounds for corrective action against her because she was acting against my interests as a customer and greatly affecting the bank she represented and she simply did not care and hung up and did not resolve my problem and I told her that I am going to go to the bank directly.
Product: Checking or savings account

Chase received two direct deposits in my checking account totaling {$26000.00}. The first deposit was made on XX/XX/XXXX for {$21000.00} and the second deposit was made XX/XX/XXXX for {$3300.00} When I called Chase in XXXX of XXXX to ask when my funds will be available they told me " your funds are suspended '' and that I had to call XXXX XXXX with Chase Fraud And Investigation Services. 

I've been calling XXXX XXXX and leaving voicemails since XXXX of XXXX. I never received a callback. 

Every-timeI call chase for an update ( 17 months later ) the customerservice team tells me the same thing " call XXXX XXXX XXXX XXXX 
I walked into a branch XX/XX/XXXX and they told me I'll receive a call back from XXXX and never did. 

XXXX XXXX does not answer her phone and has been out of the office since XXXX of XXXX. The number to XXXX XXXX is ( XXXX ) XXXX - XXXX Chase told me that XXXX XXXX works at a back office and they don't have access to her. 

I never received anything in the mail with details for my funds availability date. 

I received 1099 's for the income and can't access the money. 

I also had debt that was discharged in a month after receiving my direct deposits ( XXXX of XXXX ) in my second account so there's no reason for my money to be held this long.
Product: Credit reporting

I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/year>, I received a letter in the mail from CHASE bank stating that on XX/XX/year>, I requested credit through this bank, however, because this has happened numerous times in the past with this specific bank, I have frozen my credit with all three bureau 's. CHASE stated in the letter that they were unable to run my credit through XXXX and requested I unlock my credit within 14 days of the dated letter. I did not, nor have I ever, submitted an application for a checking/savings account or credit through CHASE bank XXXX I have even gone in person to the branch and called their customer service numerous times to request an alert to be placed on my name, date of birth, and SSN for any and all applications. However, it seems even with these alerts in place, they are still attempting to run my credit for fraudulent applications they receive instead of calling me first to verify it was actually me who requested the credit.
Product: Credit reporting

XXXX XXXX rep signed me up for a cc without my authorization ... I have the letter from XXXX stating that this was reported to all the credit agencies ... This was also done with XXXX open an cc without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my friend sent me {$300.00} through Venmo. There was no purchase. She simply sent me the {$300.00} and texted me, asking me to send the {$300.00} back to her. At the time she stated that she had to verify that her Venmo account was legitimate. Therefore, I sent back the {$300.00} within 5 minutes of her sending it to me. This exchange and request was captured in my text messages. I thought nothing of it. I had been transacting with her for over a year by that time, and she sometimes provided my kids with horse riding lessons. I would pay her back for her time with Venmo. 

At that time, my personal Venmo account had a balance of {$180.00}. 

Then, on XX/XX/XXXX, Venmo deducted {$300.00} from my account. This froze my account, and displayed that I owe Venmo {$110.00}, because I had less than {$300.00} in my account at the time. Venmo stated that my friend 's bank had opened a dispute with Venmo, stating that I owed her {$300.00}. Therefore, Venmo took out {$300.00} from my balance, showed a debit on my account and froze it. 

Despite the fact that I submitted a request to Venmo to get rid of the erroneous {$300.00} debit, I received no reply. You can see by the transaction screenshot that there was no {$300.00} owed. 
My friend said that she was trying to explain to her bank that she was NOT disputing the {$300.00}, and that I owed her nothing. She said that they would have to take like 72-90 days to clear everything up. 

When I called Venmo on XX/XX/XXXX ( by the way, its almost impossible to find a way to call them ), the representative told me he could not help me, and that I would need to talk with my friend and her bank. HOWEVER, Venmo is the one holding my money!! 

I have text messages, Venmo Balance screenshots, and a statement from her bank stating they are closing their dispute. However, my Venmo account is still frozen. Venmo is still showing that I owe them money. When truthfully, they owe me {$300.00}!. 

This is a terrible company to work with. I am at my wits end. Please help.
Product: Debt collection

I reported to XXXX, XXXX  and Equifax fraudulent information in my social security number. Equifax does not want to remove fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to remove a fraud alert from my file .... I have been shopping for a mortgage and the lender/originators do not like to see the alerts on my file .... I am requesting again now through this agency that Experian promptly remove the fraud alert from my credit profile and any personal statements that may exist as well .... this is again another request to " remove fraud alert '' and " personal statement ''
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective to prevent an account vulnerable and unprotected. Furthermore, their deceptive, as they did not comply with error resolution requirements under electronic fund transfer act ( efta ) and regulation E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.